BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am filing this complaint due to no response from the credit bureaus nor from the original creditors from previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. The following accounts I am talking about : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX 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 2022-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/22 I closed Bank of America credit card ending in XXXX which was secured by my {$300.00} deposit. The card has a {$300.00} balance which I instructed telephone representative XXXX XXXX to apply to pay off, resulting in XXXX balance. 
XXXX continued to remind me to pay {$35.00} payment due XX/XX/22 despite my instruction to apply deposit to pay balance. The implication is that the bank is stalling on balance pay off to force my payment.

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 monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: DE
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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2021-06-14
Company: ALLY FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2018-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Fraudulent charges of {$830.00} made at the XXXX XXXX in XXXX MD were put on my credit card by Capital One. The purchases were made with another credit card on XX/XX/XXXX. 
A Capital One representative called me about the suspicious charges on XX/XX/XXXX with a card that ended in the four digits XXXX. I told her I had no such credit card ending in those numbers. She called me back on XX/XX/XXXX and said it was a non-existent card. I was told by her the matter was over. On XX/XX/XXXX Capital One mixed the fraudulent charges with my actual purchases, confusing all the interest charges. The charges were in dispute at this time. 
Capital One threatened to leave the fraudulent charges on my card, if I did not send them a clear front and back copy of my Driver 's license. 
Capital One refuses to address the issue at the center of these fraudulent charges. That is ; How can charges be placed on my credit card when the XXXX XXXX supervisor in XXXX MD told me my card was not the card used to make the purchases? And how can a non-existent card clear?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-04
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I made a purchase with a company who didnt sent my whole order. I file a dispute with PayPal seller never responds and now PayPal says I must file a report with the FBI or they will let the seller keep my money and product. In the past PayPal worked directly with the seller and refunded the money owed to me. Why should I have to contact FBI to get what is owed to me. It seems like a way to deflect responsibility back on to me. Where is the buyer protection?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: The Best Service Co.,Inc
State: CA
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:
The basis for my dispute previously was to let The Best Service Company know this account with them was opened fraudulently & have asked to cease reporting from all major credit bureaus & cease collection efforts. The Best Service Company then sent a letter asking to provide them with any documentation to support my claim. And would still violate my consumer rights I report this fraudulent trade line to all 3 major credit bureaus. Attached to this complaint is a copy of my Federal Trade Commission Identity Theft Affidavit as theyve requested from me.

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 2023-08-31
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On this date, XX/XX/2023, I tendered payment in full on the loan extended via a my credit, by HYUNDAI CAPITAL AMERICA d/b/a/ XXXX XXXX XXXX through my credit and the account was zeroed out. I patiently awaited the title to come in the mail and I did not receive it nor was my credit report updated with the XXXX balance. However, I have record that the account was XXXX  out as well copies of the tendered payment and I also filed a 1099a after I received no correspondence regarding the debt validation I requested from this company back in XXXX. I also filed for Arbitration after sending the company Notice three times prior to filing for an arbitration and company refused to respond or grant the request for Arbitration which is breach of contract and a violation of my rights as a federally protected consumer. 

XXXX XXXX reported negatively on my credit report which resulted in injury as this discouraged me from applying for a house as my credit score rapidly declined due to their negligence and continued violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have disputed the inaccurate unverified accounts on the three major credit reporting companies ( Experian, XXXX, XXXX ) XXXX  deleted the accounts, but Experian and XXXX are still reporting as verified. I have requested validation of the debts from the collection agencies ... .... 
XXXX XXXX XXXX {$930.00} and {$1500.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$2900.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$2700.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$1800.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX {$520.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX {$1500.00} ( XX/XX/XXXX ) XXXX XXXX   XXXX {$13000.00} ( XX/XX/XXXX ) XXXX XXXX of Nevada {$7500.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) and each time they were unable to adequately verify 100 % accurate the accounts but Experian and XXXX continues to state these accounts as verified and accurate after multiple rounds of disputes on the following dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ). 
Again XXXX has deemed the accounts as unverified and has deleted them as of ( XX/XX/XXXX ). How is Experian and XXXX able to verify them?

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 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed inquiries that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any inquiries that are unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have multiple reoccuring charges from XXXX ranging from {$88.00} to {$120.00}, dating all the way back to XXXX, i disputed this with wells fargo and they denied it, they clearly didnt do their research because that was not me. They never once called or emailed me on regards to the case. They just closed it randomly, this is fraud on their part

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 2019-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX on/around XX/XX/19, I attempted to buy an item from XXXX XXXX. Financing was offered through XXXX. The order never got processed because I needed a prescription for the item. I contacted XXXX & XXXX XXXX via phone & email & the order was cancelled & refunded on XX/XX/19, before processing, shipping, and billing. XXXX closed the loan, I have no access to it & they were fully refunded. The first payment wasn't due until XX/XX/XXXX. All these ordering, cancelling, & refunding events were completed within 9 days. However, in XX/XX/XXXX, XXXX appeared on my Experian report. I contacted XXXX & was told that their A credit reporting goes out in batches & that's how it showed up on my credit. But, they never extended credit to me nor reached the XXXX billing cycle, nor receive a completed order. After contacting XXXX, I attempted to dispute the item through Experian & both times it was verified as accurate & staying on my credit. The most recent dispute was completed today. I sent Experian all contacts through email, the order information in the XXXX website, showing cancelled order, closed loan account with no monies available to borrow & a full refund from XXXX XXXX on XX/XX/19. Yet, they accepted the verified answer from XXXX. After the first dispute results, I contacted XXXX again, which has been over 10days & they are now strong arming through the Credit Reporting Agency Experian, as well as ignoring my email contacts. Please help, this is fraudulent reporting. **I also have several more attachments but I've tried several times to attach/upload them, to no avail. I can send them via email if you send me an email address. They show the account closed on XXXX site on XX/XX/19, email communications, the experian accounting, as well as dispute information. 
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 explanation
Consumer complaint received 2023-10-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit 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:
Wallet came up missing and resurfaced after a few days then I got the bills from chase banking, credit one and premier credit all over drafted adding up to about XXXX dollars. Mainly hurt my credit which I have been diligently trying to rebuild.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been monitoring my credit. I noticed I was constantly getting derogatory marks and looked into it. I contacted the company in question, Sunshine Credit Services on XX/XX/XXXX. I spoke with XXXX XXXX. I informed him that I had not received anything notifying me of the attempt to collect however the company had reported derogatory marks to the credit reporting agency in my behalf. I also informed him that I am a XXXX XXXX XXXX XXXX XXXX veteran, with no ability to pay. I was informed that his supervisor XXXX XXXX said the policy was to report weekly after their attempt to contact me and asked had I received a letter of intent to collect from the company. I explained I had not and asked to speak with the supervisor. I then spoke with XXXX XXXX, who was very rude as I asked about the policy and how to obtain a copy of the recorded conversation. Mrs. XXXX asked me why I wanted a copy of the conversation and told me it didn't matter they were still going to report every week, and my credit is still going to be messed up until I pay them. Also without contacting me, Sunshine Credit Services attempted, without prior authorization and/ or notification, to draft {$1600.00} from my XXXX XXXX XXXX account on XXXX XXXX. Thank God the bank noticed it and blocked the attempt, forever I had to cancel the debit card associated with the account at that time and be issued a new one.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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:
Getting a social security error through consumer reporting agency

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 2023-09-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
i had at least XXXX credit cards with chase bank, j p morgan. also i had a prmier checking account and a couple of cd with jp morgan chase, they force me to closed all my account for no reason, i have been with them for at least 25 to 30years never missed a payment, all pay all my balances in the end of the month, over XXXX worth of credit card they closed it with no reason, i ask the manager of the branch, he said they don't give him any information, i filed a complain with chase but they did not respond. what i think is a descrimination against me because im a XXXXXXXX decent and i have an accen. i have been in this country for XXXX  years and had no problem with any crediters and i pay my charges every month. i have a score over XXXX excellent credit i open another credit card with my business but they waited XXXX months and sent me a letter they are closing my business accounts.for no reason to give or answer my complaine. 
under the descrimination act i think chase is descrimiting againt my race, language and relegion. so i would like to file a complaine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Tate and Kirlin Assoc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I set up a payment plan with Tate and Kirlin Associates last year. I was not given information about setting up an online account with access to a portal. I have attempted to reset a password on the payment portal, however there is no record of me registering for an account. I have never received any accounting of my balance with Tate & Kirlin Associates, neither by mail or email. I have left numerous voicemails for the company and have yet to receive a return call from anyone. To date I have paid {$1900.00} ( {$170.00} each month ) since XX/XX/2022. I am extremely frustrated. I can not get a live person on the phone when I call this company, and when I did, I was able to reach a Sales Person who would not transfer me to a live person, he took my name and number down and promised a call back from a live person, with no follow up. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Hello, I have tried to report fraud which turned into a dispute with Capital One for some time. On XX/XX/2021 I purchased what I thought were airline tickets through a travel agency called XXXXXXXX XXXX which in turn charged my card but purchased airline tickets with a fraudulent credit card. I later was notified that my airline tickets were canceled because they were reported as fraud. I looked on the cancellation and realized they were purchased on a MasterCard. I do not own a Master Card. I provided Capital One with all the proof and they are stating they need a terms and conditions letter. What I have is an email that states no cancellations or refunds. Capital One is saying they need this document but it is all I have and it's enough. I never cancelled the trip, the owner of the fraudulent card cancelled the trip. Capital One is refusing to give back my charge even with all of the documents I do have which are itinerary confirmation from XXXXXXXX XXXX with missing info and as well as the cancellation of the flight with the mastercard of the unknown per on involved who cancelled the flight charge on their stolen card. Please assist me in any way. I am being charged but never received tickets. This company XXXX XXXX also did this to my brother who also owns a capital One Card but Capital One card who actually received his charge credited to his account. We have police reports against this company and an ongoing investigation and I have given Capital One the report as well. Attached are all the documents.

Company response to consumer: Closed with explanation