BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On, or about, XX/XX/2023, I was notified by Capital One, via email, that both my checking ( account ending in XXXX ) and savings account were to immediately have withdraws from the accounts frozen. There was absolutely no explanation as to why Capital One decided to take this action, which is understandable given that the notification was by email. 

I immediately called the support number ( XXXX ) that appeared on the web portal, along with a message reiterating that my accounts had withdraws frozen. After entering my information into the validation portion of the automated phone response, I was prompted to " leave a voicemail to be reviewed and the support center will determine if a return call it warranted ''. How can this be an appropriate response to locking someone out of their funds?

Never-the-less, I left a voicemail and waited for two weeks with no response. In the first week of XX/XX/2023, I decided to continuous call different Capital One support numbers until I finally reached a representative that could see details as to why Capital One decided to freeze my accounts. This representative kept reiterating that she could not tell me anything other than that Capital One decided to freeze my accounts and that I am never allowed to open another account with them. There was no explanation as to how long my accounts would be frozen and even any detail as to why this happened. 

The next day I decided to call the same number again, hoping to reach an actually helpful representative. This time, the representative told me that Capital One was investigating my checking account and would close my savings account and send me a check with the remaining amount. Still, I was not given any explanation as to why this happened or how long I would be locked out of my funds. I was told, however, that someone would call within the week to give me details about what is happening and why. Needless to say, I never received this call. 

In the first week of XXXX I decided to call the same number to get an update in regards to this call I was supposed to receive. Again, the representative told me nothing in regards to why this happened or how long it would take. The representative told me that they would definitely be calling within two weeks with a call regarding what is happening and why. 

It's now XX/XX/2023 and I have not had access to my funds ( {$6700.00} ) since XXXX. I have still not received any explanation as to why this happened. How can Capital One legally be allowed to immediately freeze an account with XXXX  XXXX dollars and still not give any explanation. This is absolutely absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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 reached out to all XXXX  credit bureaus XXXX, XXXX, Experian. I reached out to them regarding the charge off debts they were reporting i started this process XXXX XXXX. Within 30 days Experian will send back the debt is verified and updated. I never received a response from XXXX nor XXXX. I have requested XXXX for all of them to tell me how the debt was verified. I never received the information back. Which i have asked them to remove the incorrect information they are reporting because of my FCRA rights. Still no change in my report. This is hindering my character.

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 2022-09-29
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2022 I called my Federal Student Loan Provider, EdFinancial, about getting a refund on payments I have made during COVID based on the CARE act. I submitted a request for a refund of {$3900.00} which would put the amount I owe to $ XXXX, that $ XXXX would be forgiven by the Student Loan Forgiveness President XXXX has announced based on the fact I have Pell Grants.

I asked the EdFinancial rep for a timeline of when the refund would take place, they told me they do not know because they do not handle the refunds, the Department of Education does. I said okay and the call ended shortly after.

I have since then read online that EdFinancial is being incredibly shady about CARE act refunds, other providers are able to give out timelines and provide refunds withing anywhere between 2-3 weeks, but EdFinancial will not give any information what so ever. I have only read stories about EdFinancial refunds being successful after filing complaints with consumerfinance.gov, which is absolutely unacceptable. 

I called back a week later ( XX/XX/2022 ) asked the rep to make sure that the request was put in and for the correct amount, luckily it was. Once again I asked for a timeline and they gave the same poor information, but this time around the rep gave me the number for the Department of Education. 

I called the DoE and that rep told me that my Provider ( EdFinancial ) is responsible for refunds and providing a timeline of when it should be taking place. I then proceeded to call EdFinancial back and explained what the DoE just told me and they all of a sudden change their tune and said that they do issue refunds and since there are so many requests they can not tell their customers ( me ) when it will happen.

This is ridiculous. Other providers process them within weeks, but EdFinancial will not even give a timeline. 

I fear that they will not process it until after the XXXX Forgiveness so I will be left owing them the {$3900.00} they are supposed to refund to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Synovus Bank
State: NC
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 was shocked when I reviewed my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe that I had may my payment to you when I received my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This Complaint is about Fraudulent Transfer of Tile to Real Property in which Schools First Federal Credit Union SFFCU Offered False or Forged Instrument for Filling and Recoding ( Cal Pen Code 115 ) with XXXX County Recorders against my legally owned property located in XXXX County, State of California, with intended to defraud and with parties, with no legal interest in the property, or authority to do so. On or after XX/XX/XXXX, in the County of XXXX , Schools First Federal Credit Union , did  unlawfully and knowingly procure and offer, or cause, a false of forged instrument, to wit : the TRUSTEES DEED UPON SALE in XXXX County Public Property Records .. On XX/XX/XXXX, in the County of XXXX, Schools First Federal Credit Union, did unlawfully and knowingly procure and offer, or cause, a false of forged instrument, to wit : COMPLAINT FOR UNLAWFUL DETAINER in XXXX County Superior Court to be filed, registered and recorded in the Public office within this State, which instrument, if genuine, might be filed, registered and recorded under a law of this State or the United States, in violation of Penal Code Section 115, subdivision ( a ), a felony. On XX/XX/XXXX, Schools First FCU, sent an email alleging, Schools First FCU Home Equity Line of Credit Statement, while claiming to be the owner of the claiming to have purchased the property on Auction under a fake created loan number. This fraudulent action scheme could have been carried out because I have a Home Equity Line of Credit with Schools First FCU, which I have been paying on since on or after XX/XX/XXXX, through a direct withdraw monthly payment schedule, dating back to XX/XX/XXXX and has not changed. On Friday XX/XX/XXXX, I found a Notice to Vacate my legally owned property. The Notice to Vacate appeared to be with a Void judgement from the Superior Court of California County of XXXX, with attached XXXX County Sheriffs Office, ( XXXX ) XXXX. No documents were attached to the Notice to Vacate to prove alleged ownership, by Schools First Credit Union, which can not be proven because the Judgement was void on its face. SFFCU acts constitute to unfair and deceptive practice. I own my property and I have the Grant Deed to my property to prove ownership. The Note the Deed of Trust Schools First claim to have obtained had no out standing Debt and the Deed does not transfer the property ; nevertheless, Tile or Deed of Trust together with the note by law can only be transferred by owner or it dedicated agent, and with documentary evidence to prove agency relation and certify the statute of fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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: Their investigation did not fix an error on your report

Complaint:
I have reached out to all three credit bureaus XXXX, Equifax, XXXX. I reached out to them regarding the charge off debts they were reporting i started this process XXXX XXXX. Within 30 days XXXX will send back the debt is verified and updated. I never received a response from XXXX nor Equifax. I have requested 3x for all of them to tell me how the debt was verified. I never received the information back. Which i have asked them to remove the incorrect information they are reporting because of my FCRA rights. Still no change in my report. This is hindering my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have 3 accounts at XXXX XXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, XXXX and TransUnion credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete fir failure to contain the mandatory information. Either delete all my XXXX XXXX XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.

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 2020-03-26
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
I have been trying since 2016 to get XXXX, XXXX  and XXXX  to correct my credit report. They take anything the creditor gives them and then closes the case. I am never notified, questioned or involved in the so called " investigation ''. I have supplied Identity Theft Reports, Case # 's, Emails to them proving my case. The original creditor no longer own the debt. I call and call and get no response. I have mailed things to the CFPB proving my case. I get empty promises, language barriers and forwarded to endless ringing lines, XXXX  XXXX, Synchrony Bank, XXXX XXXX, Walmart, XXXX XXXX are the worst. XXXX XXXX and Synchrony Bank are the worst to deal with. This is a one sided problem that needs to be fixed. I will be taking legal action immediately if this does not get resolved. This is fraud and as a US Citizen I want justice. It should not come to this. I have paid what I owe and done my due diligence. I am prepared to stand up for my rights as a taxpayer. I have asked for signed documents by me with my handwriting proving these accounts were mine and charges were me. I have never got anything. Every month my scores just drop. Please contact me so we can work together on getting justice for me. I am involved in so many data breaches and have not gotten any justice from that. The attorneys sure have. That is wrong. I am human too.

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 2023-01-13
Company: EQUIFAX, INC.
State: PA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: American Elite Recovery, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I got yoked into settling an account for XXXX XXXX, which I found out through filing here that the account was sold to a collection company. I set up a payment plan with XXXX XXXX XXXX or American Elite Recovery on XX/XX/2020. When they started collecting the payments appeared on my statement as paid to XXXX XXXX XXXX XXXX XXXX XXXX. After the FTC contacted XXXX XXXX, who responded via the portal I started receiving phone calls and letters from this law firm. The letter is as followed You have recently made a payment to XXXX XXXX XXXX  or American Elite Recovery of XXXX XXXX XXXX EST in the amount of XXXX, on card ending in XXXXXX. Your card statement, you will see the amount of this charge from The XXXX XXXX XXXX  XXXX XXXX, as we are the former payment processors,. Your funds have been appropriately distributed to the current creditor. 

Please refrain from filing any chargebacks on the payments as it will cause the payments to be reversed by the client, this will be considered fraudulent banking activity, and the client may reactivate your account with excessive fees. 

Again this letter is to confirm, we have ceased payment processing for XXXX  and any fast payments have been remittd to the appreciate client, and your account is in good standing. No further action is needed, If you have future stated payments, they will be processed by another payment processor. If you have further question or concerns please feel free to contact XXXX XXXX XXXX XXXX XXXXXXXX XXXX at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is in violation of the Fair Credit Reporting Act ( FCRA ) and breaking several other federal laws. Transunion is reporting late payments on my consumer credit report that have not been verified at all before reporting them to my credit report. Transunion is not abiding by the laws before reporting things to my credit report. They are also in violation of the Gramm-Leach Bliley Act ( GBLA ).

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 2020-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Saw this morning on all 3 credit reports an account that dont belong to me. Never opened. Have no knowledge of. XXXX XXXX needs to be deleted off. This is fraud identity theft. I have a fraud alert on file on all 3 credit bureaus. Also have security freeze. No one called the number on my fraud alert. To try to get this loan. This loan was not open by me nor was open to anyone I know. I did not give Permission To anyone to act in my name or give my personal information to anyone. There is no inquiry from this company on my reports. Please block take off delete this account.

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 2019-09-05
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/2019 yesterday are car wouldnt start I tried to get to the bank and when I was able to get there the atm wouldnt accept the money I Kept spiting the money back out saying it couldnt read the {$20.00} I put in it so today XX/XX/XXXX I wake up to 3 {$34.00} insufficient fees thats crazy Im on low income I cant pay back amount {$100.00} this bank doesnt Care that our car had a dead battery Im promise Im leaving this bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am writing to file a complaint regarding the sudden closure of my PayPal account on XX/XX/2023. Without any prior notice or explanation, my account was terminated, preventing me from conducting online transactions. 

As a long-standing PayPal user in good standing, I am baffled by this action. I have always complied with PayPal 's terms and guidelines and have not engaged in any prohibited activities. 

I kindly request your assistance in investigating this matter and urging PayPal to provide an explanation for the account closure and restore my account. I believe in transparency and fairness in financial dealings, and this incident has left me without a platform for my online financial needs. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX -- -- IDENTITY THEFT! 
XXXX XXXX XXXX -- -- IDENTITY THEFT! 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TransUnion 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-05-17
Company: Check Security Associates, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A  XXXX   XXXX , from ASSET LOCATION SERVICES, contacted ( called  )  my employer on Friday  XXXX / XXXX /  XXXX   around  XXXX  CST, regarding a debt that I believed to be satisfied. She began to give personal information about this debt to my co-worker, who then transferred the call to me. I advised  XXXX   XXXX , NOT TO CONTACT ME OR MY EMPLOYER AGAIN. I told her she was welcome to send me something in writing. I again advised her NOT TO CONTACT MY JOB. She then Hung up.   On Tuesday  XXXX / XXXX /  XXXX   about  XXXX   CST   XXXX   XXXX  again contacted  ( called ) my plac e of employment and again advised my co-worker that she was calling me regarding " me committing fraud ''.    XXXX   XXXX  then immediately called back and spoke with my direct  manager  and again advised her that she was calling in regards to ME committing a fraudulent act against a company. I immediately contacted them again and let her know that i would be filing a complaint and no to contact me again and to send something in writing.   I spoke with her supervisor  XXXX   XXXX , who then proceeded to ask me questions about assets they plain to put a lien on regarding a debt of  XXXX . I advised  XXXX   XXXX  to stop threatening me and to send me something in writing.    XXXX   XXXX  then contacted  ( called ) m y uncle who is in California and again gave them personal information and advised my uncle that they were investigating me for fraud. I have asked them repeatedly to stop calling me and my place of employment and they have not complied. They have also resorted to calling my family members to shame or scare me into paying this bogus debt. If indeed this is my debt. I intend to pay it, however, I do not like being harassed or bullied or shamed into something I may have overlooked or that could possibly not be mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation