BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im reaching out concerning XXXX XXXX XXXX disputing a concerning incorrect collections report on my account. Despite me clarifying this fraudulent XXXX has repetitive, deny my reported dispute of this falsified collection claim. At first I wasn't sure where it came from until they listed the date of the original accounting information. I've tried to rectify this issue on multiple occasions. At that time I was able to provide Capital One Bank with verified and legal documentation of concerning the police reports that was on my behalf, also enclosed were a photo of my injury, as well as details documents addressing that I was drugged, kidnapped, and robbed all in one night. All financial banking information, banking cards, with my grandmother unreplaceable designer purse. This included everything that I worked for within those two weeks in which was {$760.00} dollars, along with other valuable items that was stored in my purse that evening. 
I'm not sure of the reason why after all this years that a collection company known as XXXX XXXX XXXX had issued me a collection debt. Concerning a well documented local televised criminal investigation in XXXX. Because, I will still able to provide this corporations Capital One Banking and XXXX XXXX with the original police report from my attack on this case has been resolved, closed this includes the credit company XXXX and XXXX as well. I was able to clear up this issue with both companies in XXXX of XXXX. Debt Buyers on behalf of Capital One Bank XXXX card company. 
Accurate account number XXXX Account type Debt Buyers on behalf of Capital One Bank XXXX card company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: ROBINHOOD MARKETS INC.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Robinhood was made aware of several problems in a previous complaint made to the CFPB which they did not address. In their previous answer, they post the blame primarily on me that it was my fault that I got angry and that they're not in any way at fault for lying to me or closing out my positions and turning the unrealized losses into realized ones. There have been serious misappropriations with my money as a client with Robinhood and their defiance to tell the truth about what happened and put the blame on me because I lost my temper when they decided they were going to kick me off their platform after leading me to believe everything was okay is unacceptable. 

Then they also have the nerve to say that after losing me a ton of money in realized losses that they initiated that eventually I was able to liquidate my cryptocurrencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Prosperity Connection
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a loan from Reddough Money Center, originating on XXXX XXXX, 2016, with scheduled biweekly payments of {$42.00}. On XXXX XXXX, 2016, Reddough debited my account in the amount of {$210.00}, without notice. I contacted XXXX XXXX at Reddough about the situation, showed up in person, and after several exchanges about the situation, I was told my account would be credited {$170.00}. I asked for explanations for this gross error, and the answers were very vague. I stated I suspected possible embezzlement, which was dismissed as being ridiculous by XXXX . XXXX, which made me even more suspicious. I then noticed a " Maintenance Fee '' of {$23.00}, charged to my account on XXXX XXXX, 2016, which I had no way of knowing it was charged, if not from the printout for this situation. After providing my personal banking statements from XXXX and XXXX 2016, and providing a printout of my transaction history for XXXX, it was proven that all debits previous to XXXX XXXX had been debited, but XXXX 's records did not reflect the same. 

After reviewing MY personal records, XXXX XXXX verbally promised to reverse the ACH for {$170.00} AND vouched that funds would be available in my account on XXXX/XXXX/2016. That did not happen, of course.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I got XXXX XXXX from my job in XXXX of 2022, I gave my payments till XXXX. Then after that I wasnt able to give my payments anymore. Its been very hard on me I tryed calling capital one and letting them know my situation but they didnt care to want to help me in any way. The gave me a 3 payment plan deal settlement my payments are of {$94.00} dollars and k cant afford that its too much money I dont have. Can u please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Affirm Holdings, Inc
State: TN
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:
I opted to use a Buy Now Pay Later Loan for a security system through Affirm. I had the money to pay for it, or I could have put it on a credit card. I researched this lending company, and it said that if you make payments responsibly, it will not effect your credit. My credit dropped XXXX points, because they reported this " loan '' of about {$200.00}. I've had excellent credit my entire adult life, and it has taken a huge hit and been dropped to a lower category, because of this shady company. It didn't just say it once, it said it over and over and over again. Will not hurt credit. Will not hurt credit. This type of predatory lending should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXXXXXX is reporting inaccurate information to the Experian Credit bureau! I have sent letters in to dispute it but Experian keeps saying Verified. XXXX XXXXXXXX is reporting 120 days late for XXXX and XX/XX/2018, both months can not be 120 days late! I have asked them to remove and delete this account and they are giving me the run around by saying VERIFIED which is not what my concern is about! Credit laws ensures that credit bureaus report only 100 % accurate credit information and Experian is not!!!

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 2022-11-12
Company: CITIBANK, N.A.
State: DC
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:
This involves a general-purpose Citibank credit card. I pay my statement in full on the due date every month and so am never charged interest on my credit-card purchases. I recently took out a " Citi flex loan, '' which carries a XX/XX/XXXX interest rate and must be paid back monthly over a number of years. The loan balance is added to your outstanding credit-card balance. I tried to make an extra payment to the flex loan, above the minimum payment required, to reduce the interest that I will pay, but Citibank says that any extra payment must first go to outstanding credit-card purchases because those carry a higher interest rate. But my next credit-card statement is not due for XXXX more weeks, so I am not being charged any interest on those credit-card purchases until then ( and will never be charged any interest, since I always pay my statement in full ). I am, on the other hand, being charged interest on the flex loan. It is very misleading and unfair to say that an extra payment must go to the credit-card purchases -- supposedly because they carry a higher rate -- when that rate is not being charged because the statement is not yet due. And there should be a way for Citibank to apply an extra payment the way the consumer asks them to -- in this case to the loan that is currently charging interest rather than the credit-card purchases, which are not accumulating any interest. Instead, Citibank pretends like it is acting in the consumer 's best interest by applying an extra payment to the " higher interest '' credit-card purchases, when in fact by doing so Citibank continues to earn interest that it should not on the flex loan.

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 2021-07-27
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: Information belongs to someone else

Complaint:
I noticed a Account on my credit I do not recognize US BKPT CT NJ

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 2022-11-12
Company: Netspend Corporation
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was hacked back in XXXX of XXXX I immediately got in contact with my card holder and told them my card had been being used without my consent it was used in several different XXXX  stores in different cities and XXXX XXXX XXXX as well as in XXXX XXXX in XXXX the dates of these transactions range from XX/XX/XXXX - XX/XX/XXXX I still had possession of my card so both my transactions and the fraudulent transactions were going on at the same time because the card was never physically taken it was copied when my check deposited for that week is when I noticed the discrepancies in my account and immediately called to cancel the card as to that was the only alert I had on the account at that time they told me it would take XXXX business days or longer to resolve the issue and I could get a line of credit for my money but that never happened. They eventually sent a letter saying no error was found in my account and nothing would be returned they later sent me some kind of computer generated investigation only regarding transactions they never disputed XXXX transaction with neither of the stores I told them about they disputed claims I didnt even mention theyre saying all transactions were valid because all of them were in sequence with XXXX another but as I told them my card was never physically stolen only compromised thats why you see transactions being made on my behalf and the thieves behalf at the same time as I told them Ive never been to any of the locations that were reported to be fraudulent

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 2021-07-27
Company: EQUIFAX, INC.
State: PA
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 am a victim of identity theft. Due to a data breach with A old company that I was with. Now my understanding is that your company just want through the same challenges in 2017 and a lot of your consumers were face with fear and uncertainty with there future. I am facing those same feelings because I have accounts on my report that are fraudulent that shouldn't be there. Im unable to purchase a home for my family because of this tragic situation that took place. I did my research and according to the FCRA all accounts that are fraudulent must be blocked and removed within 4 days or your company will be violating the law that was put in place to protect us consumers from atrocities of this magnitude. Justice is what I ask for, I am a victim who needs peace and prosperity.

My family depends on me. I have attached the FTC report, notarized affidavit, proof of ID.

XXXX  Bless You.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: National Credit Adjusters, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I 'm getting calls at work about this matter that I think is XXXX years old. I can not perfom my job properly after these calls, they are XXXX me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I received an email welcoming me to TD banks. Two days later, I received a welcoming letter to include a debit card and savings account information. I called TD Bak immediately, and they informed they would do a thorough investigation and close all accounts in my name. It is XXXX, and the accounts were never closed, and TD Bank never called me or sent the required documentation showing the status of the investigation. I believe TD Bank in XXXX ; PA used my information to fraud open accounts to make sales, and a Federal Investigation should take place, and I should be paid for Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: MO
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Lending Club Corp
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello! The company " Lending Club '' has sent me WARRANT IN DEBT ( CIVIL CLAIM FOR MONEY ). This is the first time that the company has contacted me about this debt. I contacted the company on XX/XX/XXXX at XXXX XXXX  and informed them of the inaccuracies in the debt and that they did not contact me prior to filing a judgement to collect any debt owed. I have been disputing this debt due to the inaccurate information on the debt that is being reported. The creditor I spoke with stated that I owe {$18000.00}. Which is inaccurate. On my credit report it states I owe {$20000.00} which is also Inaccurate. On my credit report it shows that I have made consistent payments from XX/XX/XXXX to XX/XX/XXXX. If I have made consistent on time payments for 12 months in the amount of {$430.00} a month. How is it that I still owe {$20000.00} which is exactly what I borrowed? The FCRA states ; " EVERYTHING SHOULD BE ACCURATE ON YOUR CREDIT REPORT ACROSS ALL 3 CREDIT BUREAUS OR THE ACCOUNT MUST BE DELETED IMMEDIATLY. '' XX/XX/XXXX I was laid off of my job due to covid-19 and I missed XXXX payment. I did express this to the creditor " Lending Club ''. Lending Club informed me that they did not have any forbearance options at that time. Due to THE CARES ACT On XX/XX/XXXX, the United States congress passed the Coronavirus Aid, Relief and Economic Security Act ( CARES Act ) to help Americans during this uncertain time. Among other things, the Act is designed to help protect my credit during the pandemic. CARES Act Period- Requirements apply to certain consumer account payments made between XX/XX/XXXX and the later of either : 120 days after XX/XX/XXXX or 120 days after the national emergency concerning COVID19 ends. 

The disputes attach below were sent to all 3 credit bureaus and the creditor 'LENDING CLUB ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: TN
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 HAVE BEEN TRYING TO GET THIS FRADULENT ACCOUNT REMOVED FOR YEARS. AT ONE TIME IT WAS REMOVED, THEN EQUIFAX AND XXXX  PLACED IT BACK ON SO I CONTACTED THE COMPANY AND AFTER THEY INVESTIGATED IT, THEY SENT ME A LETTER EXPLAINING THE ACCOUNT WAS OPENED FRADULENTLY AND IT WOULD TAKE ABOUT 90 DAYS TO REMOVE IT. HOWEVER, I COULD EXPEDITE THE PROCESS BY SENDING THEM THE LETTER AND OTHER INORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XXXX XXXX, XXXX Capital One Bank had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from XXXX, XXXX and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX is reporting false information on my credit report and I filed a dispute with Transunion and they claim it was verified. This is totally untrue I contacted customer service for transunion and they told me to contact this company and I have done so. FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. 

They are also stating the date they supposedley bought the alleged debt as the date the account was created. But according to their own records it was bought from another creditor, so the date they aquired it can not be the date the account started. I filed a dispute with XXXX as well and in that report they said the original date of deliquency is XX/XX/2010. I have attatched my credit report with XXXX after their investigation. And if both accounts came back as verified with different information, how can they possibly BOTH be accurate? 

XXXX XXXX is not my creditor.Equivalently, to be excluded as a debt collector, the debt would have to not have been in default when acquired. FDCPA 803 ( 6 ) ( F ) ( iii ). 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). 

Not being a creditor, I have no credit account with XXXX. I do not receive monthly billing statements with due dates upon which to report a delinquency in payment.This reporting my account as " Past Due '' " over 120 days late '' and showing a Monthly Delinquency after the date XXXX purchased the debt from is clearly improper. 

If I do have a contract with XXXX XXXX, please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. And also please provide the sworn affidavit used to verify and the accompanying documentation as required pursuant to XXXX XXXX XXXX which defines what " verification '' actually is. 


The term " verification '' is defined in XXXX XXXX XXXX XXXX Edition : " Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. 
Affidavit of truth of matter states an object of verification is to assure good faith in averments or statements of party. '' The term " verify '' is defined in XXXX XXXX XXXX XXXX Edition : " To confirm or substantiate by oath or affidavit.

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 2022-11-12
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received federal mortgage assistance from XXXX and was approved on XX/XX/2022 for my past due mortgage in the amount of {$37000.00} which paid up my account through XXXX, with forward payments to begin XX/XX/2022. I provided Freedom Mortgage with the approval letter the same day. When applying the funds to my account, Freedom Mortgage only applied $ XXXX which was the balance of my account up to XXXX and had my account showing that a balance is due for XXXX. I first contacted Freedom Mortgage about this issue via email on XX/XX/2022. I did not receive any correspondence or reply back. I called customer service also who were clueless as to why that amount was on my account instead of what is clearly shown on the approval letter. I called XXXX and they verified and restated that I was approved for {$37000.00} and that what was sent to my mortgage company. I am unable to pay XXXX 's payment and do not want to be reported late to the credit bureaus.

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 2021-07-27
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I found a debt collections on my credit report when I investigated the debt I found out it was for a claim from a building I used to live in from XX/XX/XXXX - XX/XX/XXXX. Upon moving into the apartment in XX/XX/XXXX I was asked to take out insurance in the event something happens in the final month of my lease. Low & behold, the pandemic happened & I was unable to pay the final month however my insurance with XXXX  covered it. In XX/XX/XXXX is when I realized the collections. Apparently the creditors at National Credit system bought the debt back in XX/XX/XXXX however it was paid on XX/XX/XXXX. I disputed this debt multiple times in XX/XX/XXXX however each time the creditors validated the debt. It is a gross mishandling of this account as they did not check with the original debtor if the debt was paid and continued to not only validate it but also refute the details with me over the phone. 

I sent the emails attached to National Credit Systems however they have not been communicative despite their mishandling of this debt for the last 10 months.

Company response to consumer: Closed with explanation