BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I have contacted Captial One 360 Checking Department and also the Security intake Departemnt, in reference to a Overdraft Line Of Credit Issues. I applied for a checkings account and overdraft line of credit limit increase and both were approved. For the last few weeks I have encountered numerous of little to none communication from Supervisor and Customer Service representatives, with lack of knowledge of a technical issue with their system. I have been verified several times and two tickets were put in for this issue in their end to be resolved. As a new customer I am very disappointed with the wait time, non communication, long wait holds, back and forth with different departments and supervisors, no updated notes in the system and a full work day of several weeks with nothing resolved. This has been a inconvenience to me and I have two hard credit inquires on my credit report from XXXX  and XXXX. Which were pulled from Capital One, in reference to the Overdraft Line Of Credit that I was approved for and not able to proceed online with obtaining. This is misleading and has been a long unsuccessful wait. As a customer I would not recommend this bank, unless this matter is resolved. A customer should always be valued and handled with care as business should be their priority and any issues should be addressed immediately. Supervisors should be there to make sure issues like this are resolved promptly. If I cant access my approved overdraft line of credit. A credit to my account or checking should be applied, as most banks do. Technicians/ technical support team who work full time ( 8hrs a day ) 5 days, this issue or locating a bad code error should not exceed over two weeks as its doing. Please resolve this issue so I can continue banking services with Capital One 360.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
I had a visa account with cabelas. I purchased several fishing reels with this company on it. Repeatedly they broke and repeatedly I returned them until I gave up because of their poor craftsmanship. I explained this to the company and they agreed to remove it from my account. Years later a debt collection company has come after me and forced me to pay the {$540.00} on the principle that they would quote un quote hold my credit score hostage as stated on the phone. The debt was paid and now they refuse to remove the account from my XXXX  report or do anything to fix the damage to my credit having them account relisted after the original creditor agreed to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a capital one credit card holder for 2 years or more. As a result of my xredit card relationship, capital one solicited me to open a checking account also with capital one. I indeed opened a checking acckunt with calital one ( which is able to be seen on the same app as my credit card ) and when it was time to pay my credit card bill i did so timeously from my capital one checking acckunt to capital one credit card. Despite having the payment leave my capital one checking account on XX/XX/XXXXand post on the XXXX  XXXX credit card acckunt on the same day XX/XX/XXXX, the credit card division has arbjtrarily and capriciously placed an 8 day hold on the payment, preventing the balance on my cc acckunt from lessening and moreover preventing me from having acxess to the funds which have been apllied to my cc account without hoaever changing the availe balance. 

CalitL one credit card essentially wants to hold my funds which have cleared in their acckunt for 8 days after getting the cleared funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, my account was closed due to multiple checks being returned over a period of time. It is entirely understandable why the decision was made. The accounts were closed with a total value of {$49000.00}. It was advised to me on XX/XX/XXXX that the account closure would be completed in seven to ten business days. In my call on the XXXX business day, I was informed that this date had been pushed back a few days. This process continued for over a month to have this date changed, each time a day to 3 day interval. Since I was out of the office on XX/XX/XXXX and XX/XX/XXXX, I missed my semiweekly/daily call. On XX/XX/XXXX, I called the company to learn that I had been officially closed out on XX/XX/XXXX, and checks were mailed on XX/XX/XXXX, and I should expect to receive them within 7-10 business days. Following this information, I checked my mail on a regular basis. I did not receive the checks on XX/XX/XXXX, which was disappointing for my company. Instead of receiving my checks, I received two letters stating that my accounts had been closed out, but my funds were frozen pending verification. After opening the letters, I called the account closure team for information as there is no information regarding timelines or if and when I will receive the funds my business needs to continue operating. My company has a staff of over 30 individuals who rely on this job to pay their bills and support their families, and I do not know how long we can operate without these funds. Both representatives I spoke with on the account closure team were very brief and vague in their responses. After closure, a mysterious back office decision was made to withhold the funds to further " verify '' them. I would have assumed that after a month of funds being withheld for verification, this would have sufficed. I requested to speak with someone who is involved in the verification process or who works in this area of the company. According to them, I am not permitted to speak to anyone and the best they can do is send them an email and wait for a response within 7 to 10 days. The supervisor I spoke to informed me that I am unable to receive any confirmation that this communication has occurred. I have attempted to make contact with various people within the organization they will not communicate with me. I received a call this afternoon from the organization stating they have completed their investigation and I am not entitled to these funds. They claim to have done two different investigations and they are not willing to issue the check for my that are being held.

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 2017-02-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
TD Bank debited my account {$50.00} for check # XXXX that was written for {$20.00} I have contacted customer service three times since XX/XX/XXXX and was advised it was going to be taken care of and to date it still has not been taken care of

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XX/XX/XXXX dispute was open when i sent a letter from the courthouse stating that they do not give information regarding bankruptcies to the credit bureas XX/XX/XXXX dispute was completed and bankrutcy was verified XX/XX/XXXX called to request method of verification and was told the court was the method of verification and when asked for proof of verification, was told that couldnt be done even after I brought up the courts told me they do not give information to credit bureas

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 2021-12-15
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 56 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate this items within 30 days gives a reason to immediately remove those items from my credit report it has been over 56 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 contacted Transunion on XX/XX/XXXX via and requested that the inquire from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, along with XXXX XXXX dated XX/XX/XXXX be removed from my credit report. I was informed by Transunion that I needed to contact the companies directly. I informed them that these inquires took place when the freeze was removed from my account, and it was no made by me applying for XXXX XXXX card, I already have one with a XXXX limited and was not looking to refinance my home, my current interest rate with XXXX XXXX is 3 % and I did not authorize either company to pull my credit report for any reason. But, I was still told to contact the companies. Due to the pandemic I had no luck with connecting with the mortgage company XXXX XXXX that could help me during this time. With XXXX card, I spoke with someone and the lady said she would send the information to the fraud/investigation department, because I only became aware of the inquire in XXXX due to the denial letter I received in the mail, I never received anything regarding the XXXX inquire. I received a letter from them stating the inquire would be removed and they would contact XXXX, but it was only for the XXXX inquire, I also received a letter stating they would remove the XXXX inquire and they would only contact XXXX. Please review the attached letter for XXXX and XXXX inquire.

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 2019-12-21
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent certified letters to XXXX  and XXXX   about the inconsistencies on my credit file. They both responded with the information reporting on your file has been verified and its yours. I'm not saying that the account is not mine I am complaining that it is a violation to report such data that is not accurate. In reference to my NAVY FEDERAL account # XXXX I have never missed a payment it was always deducted from my bank account In XX/XX/XXXX the account was shut down by Navy Federal without warning or no explanation. XXXX thru XXXX of XXXX they have me as missing payments keep in mind they shut down my hold bank account??? I am still to this day making payments with no bank account just the accounts I owe on over the phone. They have the DATE OPENED XX/XX/XXXX on XXXX  and XXXX is reporting XX/XX/XXXX this is clearly a violation and grounds for immediate deletion. Then if you look at DATE LAST ACTIVE XXXX   reporting XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX I have pointed out the inconsistencies to both bureaus with no results. Other than account is updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX I reached out to Experian to dispute the date for removal of a BK-XXXX that's on my Experian credit report showing filing date of XX/XX/XXXX which is scheduled to be removed on XX/XX/XXXX. First of all, the dispute was not accepted on line. After calling and speaking with the representative, she explained to me to that could upload the supporting documents into their system and they would allow the item to be removed early since it's with a 120 day window. I went to submit the document on the site she gave me and that site doesn't accept the documents that's 2 pages big so I then split the pages and it still states item was to large. Then the system just would continue to time out even though I completed all the information needed in under 3 minutes. I then was told to mail the documents in to XXXX, Texas. The system should not be this hard to try to get your life back on track. It makes you want to give up and not even deal with this type of thing. Honesty, I think its by designed to deter normal, hard working citizens to not better their credit and to keep them going through life with the highest interest rates available.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
i filed a XXXX XXXX XXXX XXXX and converted it into a XXXX XXXX  in XXXX, XXXX XXXX who sold it to Midland Manganment Inc was included. XX/XX/XXXX it was XXXX and shortly after that i notice a change on my credit report and Midland Management was misreported discharge debt. Midland Management who repeatly misreported every month bring my credit score down, however refusing to report my XXXX debt properly should be in violation of the bankruptcy XXXX which in a injunction prohibiting creditors for tryong to collect on a bankruptcy XXXX debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
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: Problem with personal statement of dispute

Complaint:
I paid my XXXX cellular bill to XXXX with the agreement that it would not be sent to collections or reported on my credit report as a collection/chargeoff.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: Experian Information Solutions Inc.
State: OK
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: Problem with personal statement of dispute

Complaint:
First of all I do not have any bad credit. What I do have is several good accounts that is being held on my account for 10 or more years that are paid out and closed..I began asking question as to why they kept this on my record so long. I wrote several companies and ask them to remove it. I did not say it was wrong just wanted it removed. They would then put it on my credit that I filed a dispute, which I did not I just asked them to remove it. Since starting my inquiries my credit score as fell from XXXX to XXXX I can see this on my XXXX XXXX. XXXX told me they got the info from Experian Credit reporting company. I wrote experian for a explanation and they would only send me a new report they would not answer my question as to why it dropped. The issue Experian is keeping things on my Credit for 10 years even though it is closed and has never been late. I called XXXX and they told Me it was Experian that controlled that aspect of the report. I called your agency and your rep told Me that even disputes can not affect my Credit Score. Each statement I receive from XXXX show a drop of 5 to 10 point for several months.

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 2022-05-01
Company: EQUIFAX, INC.
State: CA
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 states, I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC1681c ( a ) ( 5 ) 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 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

1. XXXX, Account # XXXX 2. XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX 3. XXXX XXXX, Account # XXXX 4. XXXX XXXX XXXX XXXX, Account # XXXX Inquires : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM Bus admin oda XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 states, I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC1681c ( a ) ( 5 ) 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 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

1. XXXX, Account # XXXX 2. XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX, Account # XXXX 4. XXXX XXXX XXXX XXXX, Account # XXXX Inquires : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM Bus admin oda 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 2021-05-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been regularly making payments on my loan and receiving confirmation emails about each payment, showing they were completed. I go to buy a house and show I have a late payment on my credit and it hurt my credit for almost XXXX points ( XXXX down to XXXX XXXX XXXX ). The company tells me they have been trying to reach me and I am in collections, which is surprise to me considering I have record of every payment made. 

I made sure the loan is paid in full, sent a full description of the issue to the company of the misunderstanding asking them to clear this from my credit, which they declined to do. 

I then disputed with the credit bureaus, which have all ran reports saying the report is accurate. I am still paying regularly on this loan, but want to get this cleared as it shows up for every business loan, line of credit, refinance, etc. that I attempt to do. 

Attached is the original dispute I sent to the company, as well as the attempt to dispute with 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