BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a Venture Credit Card by clicking on the promotional offer link advertising XXXX sing up bonus points. I completed the requirements and no bonus was awarded. I called and was told my account didn't show the initial sign up bonus. I was told it would be escalated to a supervisor. It was confirmed that my account would have been eligible and that I met the spending requirements. The company then refused to provide the bonus. 

I was told I was not allowed to talk to a supervisor. I send emails to the Director of Complaints, XXXX XXXX. I did not receive any response. I followed up with emails to various others in upper management and have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
A company, XXXX XXXX, purchased and reported a debt from XXXX years ago as a collection account on XX/XX/2021. I filed XXXX XXXX bankruptcy, which was finalized XX/XX/2021. I contacted the collection company and credit reporting agencies. It was removed on XXXX and XXXX, but not Transunion. I have submitted and been unsuccessful with XXXX disputes. I called Transunion after the 1st dispute was reported as an accurate debt. XXXX XXXX claimed they removed the debt from all three agencies and thats when I opened a 2nd dispute with Transunion on XX/XX/2021. This once again was deemed an accurate reporting on XX/XX/2021. My XXXX XXXX initially dropped XXXX points and I am still unable to pass a credit check to obtain housing over XXXX  months later.

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 2021-01-22
Company: The Receivable Management Services LLC
State: UT
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:
Receivables Management is reporting an account on my credit file for a debt that has been paid and settled. I recently checked my Credit and noticed this debt was showing. This debt was paid off years ago and they assured me the account would be removed from credit. However 6 years later it's still there. I need them to remove this account immediately. This debt is no longer owed and it needs to be removed from 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 2017-10-12
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX I have contacted discover credit services and ask them when my next payment was due they informed me my payment was not due Until XXXX XXXX. On XXXX XXXX discover credit services Over drafted my account {$28.00} On XXXX XXXX I called and spoke with XXXX She had agreed to waive one in NSF charge from my bank account I had requested to Have my payment in XXXX waived for the inconvenience of them providing me False information. On XXXX XXXX I called XXXX again she agrred they will pay one nsf fee to my bank, but will not be able to wave a payment for the inconvenience I had informed her they are in violation of Udapp. XXXX had informed me there was nothing they could do. XXXX contacted my bank agree To pay one {$35.00} fee to my account And requested my bank forgives the other {$35.00} insufficient funds fee. XXXX had advised me that I still need to pay the {$28.00} they had misinformed me on discover has failed to accommodate me for their violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: CCBA Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has failed to validate a debt reporting to my credit report in the amount of XXXX. I sent out a validation request in XX/XX/XXXX and again in XX/XX/XXXX in writing by certified mail. As of today they 've failed to validate this debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-17
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Several debtors trying to collect debts for claimed XXXX related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX years however the debtor is also reflecting the account/charges were just recently opened XXXX months ago?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I receive my check via a prepaid payroll card and on XX/XX/2021 at XXXX my debit card was used at an ATM multiple times to withdraw {$1000.00} from my account. The problem with this is that I had my debit card on me and was in an entirely different city and county when this happened so how is this possible? Also it was done at an ATM so how did they get my PIN? This scammer also went to an ATM in an area I never go to. I don't know how this happened but it did. I didn't find out until the next morning ( XX/XX/XXXX ) and as soon as I found out I called to report the fraud. I told the debit card company what happened and was told they had to do their own investigation and if they found it to be fraud as i claim then they would refund my {$1000.00} that was stolen. I received an email today that stated the banks investigation didn't find evidence of fraud so my claim was denied. I live paycheck to paycheck and due to COVID 19 I am XXXX living in a XXXX  and need every penny I have to keep a roof over my head so what am I supposed to do when my money was stolen the same day I received my paycheck? I told the company I want copies of their evidence that made them come to the decision they did and that I have proof I was nowhere near the city the fraud happened in that day.

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 2019-03-01
Company: EQUIFAX, INC.
State: HI
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:
Hi, Back in XX/XX/2015, I confused the monthly payment due date of my XXXX XXXX credit card with another of my credit cards payment due date. The amount was under {$50.00} and by mistake, I made the payment on the other card. That novice mistake ended up counting as a missed payment on my credit report preventing my credit score today from being excellent to good ... 
I have never confused credit cards payments due dates ever since and also I have never missed a payment on any of my credit cards since as my credit history record will show ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Hi, Back in XX/XX/2015, I confused the monthly payment due date of my XXXX XXXX credit card with another of my credit cards payment due date. The amount was under {$50.00} and by mistake, I made the payment on the other card. That novice mistake ended up counting as a missed payment on my credit report preventing my credit score today from being excellent to good ... 
I have never confused credit cards payments due dates ever since and also I have never missed a payment on any of my credit cards since as my credit history record will show ...

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 2019-03-01
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: Account information incorrect

Complaint:
XXXX  credit file XX/XX/2019 confirmation # XXXX XXXX XXXX XXXX XXXX has error as 3 payments received as attach copy from Equifax. I have attach a copy from XXXX XXXX XXXX XXXX as 5 payments all paid current and paid on time. Equifax has errors on this account on correct payments received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: NAVY FEDERAL CREDIT UNION
State: VA
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 Account # XXXX, has violated my right. 

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When we first bought our home in XXXX, we were told that we could remove PMI if we did an appraisal and LTV was under 80 %. Then the mortgage was acquired by XXXX, who told use their policy was to remove it after we have been with them for two years, provided that the LTV was under 80 % after an appraisal. On the two year anniversary, XXXX sold the loan to Loancare LLC. 

When I first contacted Loancare, I was told it's must be with the loan for the life of the loan and can never be removed. After calling back about it some time later, I was told after the loan is 7 years old. My latest call, today XX/XX/XXXX, I was told 11 years. We're at a point that we would like a solid correct answer. I requested documentation showing why they would not remove it from the original closing documentation, but I was never sent anything. I feel I have been lied to many times.

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 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
TO CFPB A merchant XXXX XXXX XXXX charges my CREDIT CARD Capital One ending in ... ... ... ... XXXX the amount of {$64.00} a month I cancelled this suscription XX/XX/2021 Capital One keeps continuing charging me {$64.00} since XXXX to today I have submitted claims to Capital everything month every since with supporting documents. ( See my letter attached ) Still Capital One charges the amount of {$64.00}. I have filed a complaint every month. Capital keeps sending me boiler plate letters with the same questions The last letter I received dated XX/XX/2021 states that my case Number XXXX ( attached ) Capital One asked me to contact the merchant XXXX XXXX XXXX Phone XXXX XXXX XXXX They put you on hold for two hours, then hang up. They refered me to a link, vert confusing, english is my second language I was not able to follow through. XXXX is another scam compay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
THe credit reporting agency in their desire to increase profitability has forgotten the rule, do no harm. This complaint is based upon providing information, and allowing accounts to be established without first considering if the person who name appears is the one that request for credit. The account of southern auto finance does n't meet this criteria. The name used in granting credit does n't verify with the name upon which the credit of the individual who is being held responsible, which is me the consumer. I herein request that equifax remove all inquiries, and creditors that do n't match the first requirement in granting credit, name, social security number matches, instead of merging credit reporting which this report number and entries represent. In addition The credit reporting agency reports lates on student loans, I have never been in repayment, and these loans were never in repayment so they could never have been late. I ask that they remove them totally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told they were not able to give me a credit limit increase at this moment because I had negative credit history. I got a copy of my credit report because I wasn't sure what negative history they were talking about and I saw two charged off accounts on my report ; One from XXXX XXXX and one from XXXX  XXXX Auto finance. These accounts do not belong to me and I never gave anyone permission to open them in my name. I do not have a written/verbal contract with either of these companies and I did not benefit anything from these accounts that were opened on my behalf without my permission nor did I ever make payments toward these accounts. I filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I applied for and received a Care Credit Card XX/XX/XXXX. My understanding was that if I paid my balance in full by the deadline - XX/XX/XXXX - I would accrue no interest. I have made regular payments, and when I had a late payment I paid the late fee along with the payment. I have never exceeded the limit of what I was told was the limit of my promotional balance. 
On XX/XX/XXXX I submitted what I believed to be my final payment. For the first time ever, I did not receive a confirmation email. My payment was deducted from my account. 
When I called customer service this morning I was told that I had paid my promotional balance - but still owe {$2.00} on it. However, I have another balance, which is accruing interest at 26 %. The man said that the promotion balance was a separate matter. He said I still owed on XXXX balances from this year ; I wrote down what the balances are, but then as we spoke he kept giving me different balance amounts. 
In short, I feel deceived and frustrated. I do not object to paying what I owe, but I do not think I should owe interest on what was supposed to be an interest-free account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-12
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed bankruptcy and XXXX 2015 and it was discharged in XXXX 2015. Debts included in my bankruptcy started coming off my credit reports on their own and the ones I did dispute I received a quick response and they were removed. I 'm having an issue with XXXX I have disputed it many times to all three credit reporting bureaus, on the most recent XXXX I sent a copy of my bankruptcy petition and the result was they updated it on my report saying charged off sold to another lender but, yet on a privies dispute about two months ago they updated reports with status as included in chapter XXXX bankruptcy and now they have changed it to the charged off status. On last dispute XXXX would n't accept my dispute because I had previously disputed. The dispute case numbers I provided above are the most recent ones. XXXX is showing up as derogatory and negative on my reports which is affecting my credit score as I am trying to build my credit. I 'm having success rebuilding my credit except for with this company reporting incorrect information on my reports. This is the only negative thing on my reports. As I am looking to the future trying to buy house with my husband, obtaining certain credit cards ( which I am using responsibly ) or loans to help build credit I 'm not able to because of this derogatory/negative incorrect information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was used in identity theft I have never applied or signed for any credit cards, insurance or loans which I am disputing. I currently filed with the FTC and local police authorities both have assigned a case and file number to investigate. I discovered the information on my credit report XX/XX/2023 which I notice XXXX  XXXX XXXX  on my credit report for fraudulent amount XXXX I have called XXXX XXXX XXXX  with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Since XX/XX/XXXX I am requesting XXXX XXXX to show a second mortgage account as closed in my credit report and they ignore me. I even talked to them over the phone last year and they recognized it was a mistake and agreed to fix it but the account still shows as an open account in delinquency. This house was sold by the bank by 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 2015-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
To Whom it May Concern XX/XX/XXXXEquifax, XXXX. XXXX XXXX, XXXX, Georgia XXXX am requesting with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : Name issue : XXXX XXXX ; XXXX XXXX XXXX THOSE NAME WAS NEVER MY NAME OR ANY FORMER NAME My correct name is XXXX XXXX DOB XX/XX/XXXX SS NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, 2016 in the morning i contacted my navy federal credit union and asked them to realease my direct deposit early in my checking account ending in XXXX, she did just that i also asked her to transfer money into my finance account the amount of {$100.00} and my other checking account was in the negitative of {$13.00} i made that positive i than asked her to give me the balance and than transfer the money into my account ending in XXXX she did n't do that so i begin to swipe my card the next day on XXXX/XXXX/2016 and now i am in the negative of {$67.00}. i spoke to a manager name XXXX on XXXX XXXX, 2016 and he credit both of my accounts {$20.00} and said i only owe {$180.00} in the XXXX account i put the money in that account on XXXX/XXXX/2016 i put {$200.00} in that account and that 's when i got the balance of {$47.00} that i owe based on the transations, i spoke to XXXX the supervisor on XX/XX/2016 and he did n't look forward into this matter he said he listen to the tape on both days and he would give me a call on XXXX/XXXX/2016 and i never received a call because he knew that he did n't look forward into this matter and sided with the young lady that was wrong and messed up both of my accounts.Now they are asking me to pay the money of {$67.00} i do n't think that i owe this money at all because of the neglect of the young lady not doing her job and transfering my money into my account ending in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief