BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital one customer rep didn't correctly enter my new bank payment info prior to payment date. They tried to take the money from a closed bank account. 
I made a call and paid the bill as soon as I received an alert of a returned ACH payment, I called very upset and set up auto payments again viu a customer service repXXXX All late fees and interest charges were waved and they apologized for the error. 

Next billing cycle, capital is asking me to pay the 'stmt amount '. Statement includes the returned payment, but not the new payment made. Capital requests I pay again the payment amount + late fees and interest charges that were waved. 

They demand I pay the whole statment amount that is outdated. Statment is XXXX dollars, current balance is XXXX XXXX XXXX XXXX XXXX. Current balance is a running balance that has the payment applied and fees and interest waved. 

Called customer service, but they say I have to pay the statement amount that has late fees that were waved because I agreed to pay full statement amount when I enrolled into auto payments when they entered my new bank info. No record of any calls between me and customer service rep about bank changes made in XXXX. No record of who waved the fees, no adaquate notes explaining the issue was caused by error made by capital employ .... 

Asked if they have a record of the fee waved, they do but can't trace it to why it was done. 
Asked them to tell me my corrected balance due for the statment ending XX/XX/XXXX, customer service says its XXXX because that's what the statment *says*. Current balance owned to date is XXXX dollars. Capital wants the uncorrected balance and late fees +interest or, per customer service rep, I will be responsible for additional late fees and interests. 

Asked to file a complaint, customer rep says she will, but it will be internal and I will not know the outcome. I asked who can I file a complaint with that will share the investigation outcome with me, she says she doesn't know. 

Call was 1 hr and 4 min on XXXX XXXX XXXX XXXX.it was recorded. 

The customer service people who handled my call were unskilled, and were attempting to use fradulant and deceptive practices to charge me interest and late fees on a payed balance. 

The whole ordeal is affecting my excellent credit score..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital added a restricted to my XXXX account of needing further verification, due to high fraudulent occurrences. My attempt was making a payment for my XXXX,  and the payment was canceled. The email stated to call to verify. I made 3 attempts to verify my account, and I was provided 3 different options ( by 3 different Reps ) on how to removed the restriction. All options ( by phone ) I provided as asked, but was still told I needed more proof/contact the fraud department. The fraud department stated that I need to provide proof of Id. A link was sent out, and my passport was uploaded. Then I called back afterwards to verify if the documents was received the stated yes, but it will take 7 days for the fraud department to verify the document. Capital One fraud department reached out on XXXX  stating that my passport is not acceptable for proof of ID, and my account will remain restricted until a drive license or id is provided. Capital one has on file a copy of my passport that has been used inside of the Bank on previous transactions. My payment was taken after a second attempt, but my account was to be verified before the payment could be accepted. I have attached from Capital One website the proof of acceptable documents DateXXXX Amount:XXXX Actions : Restricted my XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-18
Company: EMCC Holdings, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This complaint is regarding the online bank " Chime '' In XXXX 2023, I received an email from Chime saying my debit card was on the way. I didn't pay much attention because I figured it was a scam, since I did not open any account with them. 
However, on XX/XX/XXXX, I did receive a debit card, with all the documents regarding my brand new bank account ( account and routing number ). I immediately contacted their support to let know that someone fraudulently opened an account using my information. I got concerned because opening a bank requires providing your SSN and confirm your identity. Upon contacting support, they informed me that they'll close my account, and as I was inquiring about the account ( transaction history, date if was requested etc, emailed or phone provided in the application, IP address etc ), I was told I'd get an email to follow up there. 
Within minutes, I received said email, and was instructed to provide a copy of an identity theft claim and provide the last XXXX of my social, which I did. 
To this day, I've exchanged a dozen of emails begging for the information I seek, and I'm given the round around by different representatives who keep asking me the same questions over and over again. 
According to the Fair Credit Reporting Act, I'm entitled to a copy of all the information they have on the fraudulent account, which they blatantly fail to do. Therefor they're not compliant and should be investigated. 

Also, to gage the fraud detection systems they have in place, I created an account with bogus information, and passed all the steps until the congratulation message for a newly created account. Meaning they have XXXX fraud prevention measures, which again puts them out of compliance. 

Customers, beware!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, and XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Executive Acquisitions Group, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
over 60 days have passed since disputes have been submitted company notified me they need more time this is a violation of the FCRA. please remove accounts attached

Company response to consumer: Untimely response
Consumer complaint received 2023-11-03
Company: Google Compare Credit Cards Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX  I subscribed to a free trial on XXXX XXXX  through XXXX XXXX. The trial was for 3 days but I cancelled it within 24 hours, so I wouldn't be charged. I was charged immediately. I contacted XXXX XXXX  and I was told I would receive a refund in 10 days. I never received a follow up or refund. I reached out to Google via email, since this appears to be the merchant that charged my card. I never received a reply from Google. I have been getting the run around from XXXX XXXX with no end. Google charged my bank account first and I was able to dispute it and block anymore charges. After this, Google began charging all cards on my account and that's how my XXXX XXXX was charged. I didn't have any money on that account when the unauthorized transaction occured. I don't understand how the payment went through.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-18
Company: Resurgent Capital Services L.P.
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: Problem with personal statement of dispute

Complaint:
I have asked repeatedly for debt validation. I have asked for a copy of the original contract with my signature as well as itemized list of the balances owed. I also asked. The collection company has refused to provide the information. I am either placed on hold for hours with the phone repeatedly hanging up and no response to the letters. However they are reporting to my credit. Each report is reporting a different amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: ENCORE CAPITAL GROUP 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: Problem with personal statement of dispute

Complaint:
I have asked repeatedly for debt validation. I have asked for a copy of the original contract with my signature as well as itemized list of the balances owed. I also asked. The collection company has refused to provide the information. I am either placed on hold for hours with the phone repeatedly hanging up and no response to the letters. However they are reporting to my credit. Each report is reporting a different amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: MI
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:
An account/tradeline exists as XXXX in my credit files that is wholly inaccurate and contains false/misleading information. The referenced account appears beginning XX/XX/XXXX at which point the first entry alleges a payment was late by one-hundred twenty ( 120 ) days. The account then begins reporting as one-hundred fifty ( 150 ) days past-due in XX/XX/XXXX. By XX/XX/XXXX the account begins 180 days past-due with at least one ( 1 ) of the three major CRAs. Yet, the furnisher of the information acknowledges that they did not begin contacting me until XX/XX/XXXX. The account is reporting as credit with a term of one ( 1 ) month. Yet, the account is not for a revolving loan or a loan product with terms of one ( 1 ) month. Moreover, the servicer for this alleged account has provided false/misleading information required to even check the balance of the alleged account -- the data furnisher is aware of this. I have been denied access to housing based upon this payment history.

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 2022-04-18
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have many inaccurate addresses listed on my report. I only live at one address. Also I have multiple misspelling of my name on my report. I only should have one address and on name list on each report.

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 2021-02-11
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I've been trying to close my HSA Bank account and transfer the full balance, ~ $ XXXX, to my other HSA provider since XX/XX/2020. I was told this should complete by XX/XX/2020. 

When it did not complete by XX/XX/XXXX I called HSA Bank. They told me that they got the transfer request, but they couldn't do anything until I liquidate the investment portion and transfer it to the cash account. They told me that they can automatically restart my transfer once this is done. Note that they did not tell me about any of this willingly, I had to call in to their hotline for about 20+ minutes to find out why my transfer had not occurred. At this time, I requested that my investments be transferred to my cash account. 

Several more days pass and I notice that my transfer has still not gone through, so I call HSA Bank back. They tell me that they still cant do my transfer because they have deposited some tiny amount of money into my investment account as interest, something like {$1.00}. I request that my investment account be closed and all the money transferred. Again I confirm that HSA Bank still has everything they need to do the transfer automatically once the investment account is closed. They assure me it will go through after the investment account is completely liquidated. 

Several more days pass after my investment account is closed, and the transfer has still not gone through. When I call HSA Bank again ( remember, each attempt takes about XXXX minutes or more ) they tell me that the transfer has not been started, so I ask them again to start it. They tell me it should be done in 10 business days.

At least 2 weeks later it is XX/XX/XXXX. I see that the transfer has still not gone through. When I call HSA Bank again, they tell me that they never started a transfer. According to them, they told me during my last phone call that I need to resubmit my transfer paperwork for the transfer to start XXXX This is not true, they specifically told me that they ordered the transfer during my last phone call ). I asked again if they have the paperwork from the last transfer that they can use. They tell me yes. They tell me that an expedited transfer has been approved and that it should take place within 48 hours and that they will call me when it's completed. As of this moment, it has been almost 72 hours, still no call and no transfer.

It has been about 6 weeks and several long phone calls now. Can someone please help me get my money away from HSA Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 writing to express my utter frustration and disbelief at the abhorrent level of service I have received from Equifax in regard to a disputed inquiry on my credit report. Since XXXX, I have tirelessly and diligently attempted to rectify this matter, only to be met with sheer obstinacy and an unwarranted refusal to correct a glaring error on my report. It is nothing short of infuriating that Equifax, a company entrusted with such sensitive financial information, has displayed such blatant disregard for the wellbeing and integrity of its customers. They have been removing and adding the inquiry on my account. They have been sending me updated credit report with the inquiry remove but when I check it online, its still there., This relentless stonewalling is not only unprofessional, but it undermines the very purpose of the Consumer Financial Protection Bureau and its mission to safeguard consumer interests. It is high time that Equifax be held accountable for its disgraceful conduct. The intransigence displayed thus far is nothing short of a gross injustice, and I implore the CFPB to take swift and decisive action to rectify this egregious situation. Your immediate attention to this matter is not only warranted, but demanded, as I refuse to accept anything less than a fair and just resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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:
Had an incorrect report on my credit report in XX/XX/2020, for XXXX amount owed to XXXX XXXX through XXXX XXXX XXXX. The account was not mine and it was removed on XXXX. Now I have the same incorrect report again on my credit report for the same amount ( XXXX ) from the same company XXXX XXXX XXXX ). The difference is the collections agency this time is XXXX. It's still NOT my account and it has adversely affected my credit rating, dropping from XXXX to XXXX. Please help me clear this up for good. Thank you.

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 2022-04-18
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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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