BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one closed my credit card due to a returned payment for {$30.00} from a banking error where they tried to process a transaction I asked them not to on auto pay. They caused the payment to return and then closed my account when I have always paid it on time. 

I had even sent an additional {$100.00} payment the same day that cleared and went through. I desperately needed to use that money and capital one didn't care about my misfortune. I told them either unlock my credit card after verifying the return payment was just a simple mistake, or it they're gon na close it to refund that {$100.00} I just submitted. I did not sent {$100.00} for them to just close my account and then take that anyways and do nothing for me. 

This needs to be made right. They also lied to me telling me I was over my credit limit when that's not true. I called during this emergency and was granted a {$250.00} credit line increase. They then later claim that I'm over the limit and that nobody authorized any {$250.00} increase when clearly they did because I used it and there were charges reflected on the statement and online accounts. I really don't appreciate the lies or how I was treated by capital one at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type -- Account paid for less than full balance Paid collection Original creditor name XXXX XXXX XXXX XXXX XXXX  This account is CLOSED!! Please remove from Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: GOLDMAN SACHS BANK USA
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:
Regarding my Apple Card thru Goldman Sachs Bank USA. 
Transaction date : XX/XX/XXXX Merchant : XXXX Disputed amount : {$960.00} Disputed reason : Item not received Dispute closed more than 5 times as " The merchant provided sufficient evidence that you made the purchase '' I have purchased from XXXX during the Covid period. I live in an apartment. 
The shipping company was not able to enter the apartment complex during COVID time so they have dropped the product near one of the apartment entrances ( as per the driver of the shipping company ). 

I tried looking for the product everywhere but unable to find it. I contacted XXXX but they were not able to trace so they told me to contact the shipping company. Shipping company after investigation mentioned package is untraceable. 
I contacted XXXX again for help. They mentioned filing a Police complaint and then contact my credit card to raise a claim. Police have closed the case as untraceable. 

I contacted Apple to file a claim and got the claim filed as well. 
After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' I have never ever told that I did not make the purchase, I made the purchase but never received the product so contacted Apple again. The supervisor acknowledged there is a mistake and then reopened the case. 

Again, After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' Spoke to a manager and she acknowledged there is a mistake and then reopened the case. 
Again, After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' Spoke to a senior manager and she acknowledged there is a mistake and then reopened the case. 
Again, After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' Repeated many times. As of XX/XX/XXXX, I received a email with the same response " The merchant provided sufficient evidence that you made the purchase '' The case has been open for around 9 months now with no answers. 

Apple Card thru Goldman Sachs Bank USA is a very good card until you have a problem. Once you have a problem, you will be left alone. 

They did not contact me for any evidence or proof and take decisions all alone. Apple card disputes team do not work well and customer service members are unable to resolve. 

As I read online, 3 months was the deadline for a dispute to be resolved as per Federal law but my case has been going on for 9 months and the Apple card representative acknowledges that there is a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-05-24
Company: EQUIFAX, INC.
State: LA
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:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Grant & Weber
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
i keep getting scam calls and i dont know this company on my XXXX account ( GRANT & WEBER XXXX i never did any business with this company and this account keep changing the balance and its harming my credit score i would like to have full validation on this account and my signature i believe this is fraud

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 2022-06-17
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 i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-12-06
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:
XXXX XXXX is providing information pertaining to the identity theft that took place with my information. This company was presented with several police reports as well as identity theft affidavit report, federal trade commission report and now they report with the consumer financial protection bureau.

Upon contacting the three major credit reporting agencies, I discovered that two of the three credit Reporting agencies did not investigate the information based on the fact that they thought it was a duplicate request. The documentation was presented with shows it was not a duplicate request and that it shouldve been processed immediately upon the consumers request to do so.

By failing to properly investigate this fraudulent item for the consumers request, this company violated the fair credit reporting act as well as the fair debit collection practices act. Failure to you processes investigation, has left the customer without any means of using their credit to take the services for their family. This negative item has impacted the consumer financially.

Furthermore, I also fear that this company has violated state and local laws. Upon receiving that information and their negligence to process the investigation, his company did indeed go in a different direction. They found a judgment on an account that they know was being disputed as I didnt either in an attempt to deprive the consumer of their money knowing that it will be a long drawn out process for the customer to receive any funds back.

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 2018-05-01
Company: Experian Information Solutions Inc.
State: FL
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:
I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I have never had an account with XXXX XXXX. Please remove from my credit report as this is inaccurate information. Not to mention, I have sent XXXX XXXX a request to validate the account from XXXX 's XXXX, showing a printout of the bill however they have been unable to do this. The only thing they provided was a response that they have verified the item, however they've failed to show me how. I have paid XXXX 's XXXX off shortly after my wedding which means that the balance on the account is incorrect. There should be no balance, therefore no collection account. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, nor did they send the copy of the bill that added up to the charges in their claim, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. I will not pursue escalation of the matter upon removal of this erroneous account. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.

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 2021-09-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
REQUESTED CREDIT REPORT FROM FREE ANNUAL CREDIT REPORT AND WAS DENIED. I WAS DENIED CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FM
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:
I applied for a credit card account with Capital One but I was denied stating they could not verify my identity. Capital One never tried to contact me at all. I never received am email or letter in the mail, let alone phone call. XXXX, XXXX  and XXXX have all updated my telephone number associated with my fraud alert. 

XXXX stated : " We reviewed your complaint along with the information regarding this issue. Based on the complaint we contacted you directly, per our conversation, we have updated the phone number, XXXX, on your initial fraud alert. In order to protect your privacy, we have mailed a copy of your XXXX credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX   XXXX XXXX ET. Please visit XXXX XXXX XXXX for frequently asked questions about your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a car from XXXX on XX/XX/XXXX. Bridgecrest was the lender through XXXX. We secured a much better interest rate through our credit union, XXXX XXXX XXXX XXXX ( XXXX ). XXXX send a check to pay off the loan that was received at Bridgecrest on XX/XX/XXXX. The first payment on the loan was due XX/XX/XXXX. I called after tracking that the check from XXXX had been delivered. I was told it takes about 10 day to process the check. I made the loan payment to Bridgecrest while waiting. I called Bridgecrest about 10 days later ( around XX/XX/XXXX ) and was told it had the check still had not been processed. Made 2nd payment to Bridgecrest. I called Bridgecrest on XX/XX/XXXX. Was on hold for close to 2 hours waiting on a supervisor after I was told AGAIN that the check had not been processed. I called today XX/XX/XXXX and it still has not been processed due to employee shortages. THIS IS POOR BUSINESS and NOT MY PROBLEM. 
Bridgecrest has had the check for 45 days and has not processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a Bank of America rewards credit card on XX/XX/2023 because they offered a XXXX XXXX  bonus if {$1000.00} was spent within 90 days. I spent the {$1000.00} dollars and my billing cycle ended on XX/XX/2023. On XX/XX/2023 the bank closed my credit card for no reason. 

This company is notorious for issues with their rewards, and I was unaware of this until after they have done this and I looked up the issue. 

Their decison to close my account because I earned my rewards was to attempt to try and prevent the rewards from being used, as their contract says all rewards are lost upon closure of the account for any other reason than owner request or due to inactivity.. Luckily, I had already used my rewards before they had closed the account. 

However, this attempt to not pay the rewards is going to severely affect my credit score. As my FICO score is currently XXXX and the remaining ~ {$3000.00} dollars on the BoA credit card was counted as " unused credit '' for purposes of my " credit usage '' calculation. 

It is likely that this unlawful and deceptive action of closing my account in an attempt to withold the rewards will decrease my credit score by more than XXXX  points.

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 2023-07-18
Company: Paypal Holdings, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
PayPal had a breach in 2022 its public information they are being sued, they still owe me alot of money, I have done most of the work they don't respond to emails very poor communication skills and incompetent customer service representatives it has been awful it added so much stress to me while I was in and out of hospital my identity was stolen due to their breach all my credit cards as well as my husband 's were maxed and the thief also got my bank they did issue some refunds but kept claiming it was my banks responsibility and my bank was saying it was PayPals and I was stuck in the middle so much stress and XXXX phone calls later I'm still out the money which I can not afford and I should be paid for my time my bank was tired of it closed my account in the middle of investigation so I can't get any help from them now so PayPal should be held responsible I just want my money please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: Financial Service Center of Ohio, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Unable to make the $ XXXX/month payment asked if they could take a smaller amount like {$500.00}, they said no. They also send harassing texts and phones calls.

Company response to consumer: Closed with explanation