BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for Captial One Bank ( USA ) N.A. However, Capital One sold the two credit  card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as Capital One Bank ( USA ), N.A. legal counsels, and was fighting the cases. Then the courts were shut down in XX/XX/XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19.

A few days ago ; the collections agencies made new reporting to  XXXX  about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
In the XXXX CC XXXX case ; XXXX XXXX XXXX, XXXX. posing as Capital One Bank ( USA ), N.A. They are a debt collections agency that buys old charge-off debt. This company does not represent Capital One Bank ( USA ) N.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from ERC dated   XXXX   XXXX   XXXX     for a  XXXX  account that is not mine. The collection notice is from  XXXX  account number  XXXX . I mailed ERC a debt validation on  XXXX   XXXX  requesting for them to tell me what I owe the bill for, how they calculated what I owe, to send me copies of any documentation that stated I agreed to pay what they say I owe, to give me copies containing my signature, their   XXXX   license number, and to cease all contact with me until they sent me the above documentation. I disputed the validity of this debt and still have not received any information from ERC regarding this account. ERC also contacted me on    XXXX   XXXX    after they received my letter stating for them to not contact me. According to FCRA  1692g ( b ) If the consumer notified the debt collector in writing within the 30 day period described in subsection ( a ) that the debt or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. ERC has not done this. ERC has violated the FCRA by not validating the debt as well as attempting to contact me by phone after receipt of my letter stating for them to cease contact unless provided with the information stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/21 I was alerted that my credit score decreased due to 75 % credit card utilization that was reported from XXXX XXXX XXXX in XX/XX/21. My statement date for this credit card is the XXXX of each month and was at a XXXX  balance on XX/XX/21. My credit report with XXXX  is showing the amount owed prior to me making the payment on XX/XX/21, this needs to be corrected immediately, this incorrect data has brought my score down 26 points on my XXXX  score and 10 points on my XXXX  score. I need this information updated with the XXXX  amount owed as shown on my statements from XX/XX/21.

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 2022-04-28
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During a phone call with Florida XXXX XXXX XXXX XXXX, the caller threatened to close my account if I did not pay immediately and sent the credit bureaus my negative comments showing multiple late payments on my account. I explained I had lost my job but payments were being made, the lady said I would lose my account and she was going to close my credit card if I did not pay the full due amount by the " end of the day! "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
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: Account information incorrect

Complaint:
On XX/XX/21 I was alerted that my credit score decreased due to 75 % credit card utilization that was reported from XXXX XXXX XXXX in XX/XX/21. My statement date for this credit card is the XXXX of each month and was at a XXXX  balance on XX/XX/21. My credit report with transunion is showing the amount owed prior to me making the payment on XX/XX/21, this needs to be corrected immediately, this incorrect data has brought my score down 26 points on my transunion score and 10 points on my XXXX  score. I need this information updated with the XXXX  amount owed as shown on my statements from XX/XX/21.

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 2018-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My complaint is with Transunion Credit Bureau. file # XXXX 1. They offer help but I filed a dispute and received nothing but a temporary fraud alert.

2, They failed to freeze my account due to a police report and a seven year credit freeze.

3. I have excellent credit and was denied a bank charge card because of XXXX  in my credit report.

4. They don't offer a fax number or website for uploading documents as they want to use snail mail. Ok, the dispute took thirty days and now I can wait another thirty days using snail mail.

5. I was told I was denied credit because of too many inquires in the past two years but they wouldn't be there if Transunion placed that seven year credit freeze.

6. I talked to XXXX the Supervisor today and basically all he said was wait TWO years for the credit report to clean up.

7. Do I have the right to ask companies that I deal with not to use 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
Consumer complaint received 2017-04-24
Company: Accurate Background
State: AL
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 was a victim of Identity Theft in   XXXX  . The address and phone number listed below is not nor has ever been my address  XXXX   XXXX   XXXX   XXXX ,  XXXX , Alabama  XXXX   XXXX . This address is referenced on the report from  XXXX . Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
Company: Experian Information Solutions Inc.
State: OH
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 ex fianc had a   XXXX   's credit card he opened in  XXXX  before I met him  XXXX   XXXX   XXXX   has an  XXXX  and  XXXX  's store account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in   XXXX   and around   XXXX   I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called  XXXX  's and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with   XXXX   XXXX   and all  XXXX  credit bureaus to have this removed since  XXXX .   XXXX   XXXX  s refuses to remove it, even with a police report submitted to them.  XXXX  's also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   's does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!

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 2017-04-24
Company: EQUIFAX, INC.
State: OH
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 ex fianc had a   XXXX   XXXX   credit card he opened in   XXXX   before I met him.  XXXX   XXXX  has an  XXXX  and   XXXX   XXXX   store account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called   XXXX   XXXX   and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  XXXX   XXXX  and all  XXXX  credit bureaus to have this removed since  XXXX .   XXXX   XXXX   refuses to remove it, even with a police report submitted to them.   XXXX   XXXX   also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   XXXX   does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
A claim was opened on  XXXX  with  Paypal  for a transaction, #  XXXX ,  XXXX  from  XXXX  on  XXXX . I received a message today asking me to return the item at my own cost to  XXXX . The reason for dispute is the item was damage by a local   XXXX   store and they refused to refund the item. The item was taken to a local store to be monogrammed and the  rep ( s ) damaged the item by pressing initials too hard on the leather making the monogram too deep and damage the item. I attempted to explain this to several Paypal reps, howeve r, I was told the claim was closed out and it was not by myself. Papal reps refused to do anything further

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I was sent a XXXX XXXX prepaid card that I did not request. My last name was wrong on the card as well ( it was my formerly-married name that was changed in 2011 ). There are a lot of fees associated with the card, and could really mess someone up if they didn't read the paperwork. This offer is very shady.

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 2018-03-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient reported my accounts as late and no payment received on my credit report for years while I was in school or supposedly had my loans in forbearance. I have been trying to get my report corrected for years including personal phone calls to Navient and letters sent by two separate credit repair services ( XXXX XXXX XXXX and XXXX XXXX ). These inaccuracies have kept my scores lower than they should be. This has caused significantly higher rates when purchasing cars and renting my homes. It has prevented me from getting mortgage loans to buy a house. I have continued to have to pay higher housing costs because renting is so much more expensive than owning. I have also had to deal with getting rejected for credit cards and having way higher APR for the couple I have managed to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
15 u.s.c. 1681a and 15 USC 1681 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CONSUMER CREDIT REPORT 15 u.s.c. 1681a and 15 USC 1681 VIOLATIONS, DELETIONS TO CONSUMER CREDIT REPORT Reporting Utilization is illegal. XXXX account # XXXX  open date XXXX ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice XXXX XXXX XXXX XXXX and XXXX Civil liability Delete from credit report immediately.

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 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 ex fianc had a   XXXX   XXXX   credit card he opened in  XXXX  before I met him.  XXXX   XXXX  has an  XXXX  and   XXXX   XXXX   store account, which are linked. I was added as an authorized buyer around   XXXX  . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called   XXXX   XXXX   and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  XXXX   XXXX  and all  XXXX  credit bureaus to have this removed since   XXXX  .   XXXX   XXXX   refuses to remove it, even with a police report submitted to them.   XXXX   XXXX   also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   XXXX   does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!

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 2023-02-10
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:
When I discovered that my debit card ending in XXXX was being used for unauthorized purchases, I called Citibank to have the card cancelled. When I requested a new card on XXXX, I was told that the card would arrive within 1-2 business days. when I realized that I would not be home due to the unsafe situations happening there I canceled that card on XXXX.they again told me 1-2 business days and I specifically in front of a witness told them to send it to a different address in XXXX instead of having it go to my old address in the XXXX. Unbeknownst to me the new card ending in XXXX arrived at the address in the XXXX and was used to charge over XXXX dollars unauthorized while I was in the XXXX XXXX area of XXXX state. I did not find this out until I went to a physical branch in XXXX on XXXX.they provided me a printout and I disputed the charges that same day. I told them where to send the replacement card again and updated the mailing address at the branch. they told me this time it would be 7-10 business days not 1-2 like before. My phone had to be changed also because of the unsafe situations mentioned above. when i try to login now I cant because the phone number doesn't match and they are refusing to change the number that's in my account so I can access my money and send it elsewhere before it risks getting stolen again. The temporary card they gave me does not have a cvv number which renders it useless for certain services such as transferring money. I am now homeless and i do not have access to money that I received from XXXX benefits because this company will not let me access my money and there are no branches of Citibank whatsoever in my area.

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 2017-04-24
Company: HW Holding, Inc
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed this claim with the landlord of   XXXX   XXXX   XXXX   XXXX  ,  XXXX , KY. Charged for utilities after I moved. Due to renovations conducted the apartment became a health hazard. I paid rent due according to the lease. They were obstinate about paying utilities no longer in use after I moved and entered the apartment after I left and were working on it while I still had time remaining on the lease. I do n't know when they allowed another occupant into that apartment. It has been reported to   XXXX   and to  XXXX . Online disputes to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$18000.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXXXXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX XXXX/ {$2900.00} / 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 non-monetary relief
Consumer complaint received 2018-10-07
Company: Allied Data Corporation
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased some items XXXX before losing my job for {$150.00} school uniform pants for my daughter with my XXXX credit card. 

Items were never received and shipped to an old address that I have not lived in since 2013 I initiated contact and requested refund which I felt was a legimate request they issued an investigation and offered a gift card which I never wanted I wanted my refund back on my card. 

Also being off work since XXXX - my health played an issue and I submitted documents and was told that I did not qualify for help to pay my credit card. 

I paid for a service regularly and was told now that I am in need I did not qualify These practices put in play are fraudulent to take my monthly payment and when I am in need I dont qualify but no one gets to return to all the money I paid for the service. 

I want a refund back on my card I never got gift card and never wanted it I want a refund of all money put into for service that was suppose to help me in my time of need and out of work. These services should be illegal they take the money but dont help the consumer

Company response to consumer: Untimely response
Consumer complaint received 2020-05-03
Company: Experian Information Solutions Inc.
State: NC
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 checked my Experian and XXXX XXXX accounts and realized I had inquiries that occurred without my permission. Also Experian says that I lived at an address that I've never heard of nor stayed at. Is that a sign of identity theft? 
The inquiries are that occured w/o my permission are : XXXX/XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date:XX/XX/XXXX XXXX XXXX/XXXX XXXX   Inquiry Date 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 2019-12-13
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: Information belongs to someone else

Complaint:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

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