BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had 2 accounts with Capital One that went seriously delinquent due to the pandemic. This put a restriction on use for both the cards. I started a payment plan to get back on track in which I was told would lift the restrictions. My lower lines restriction was lifted after I paid it down. On my higher credit line, I have been making on-time payments for about a year now and I just paid the entries balance of {$1200.00} in full on XX/XX/XXXX. I called today to see what else needs to be done to lift the restriction and the CSR informed me that there was nothing more I can do. Im confused, does this mean my account has been closed? I dont understand why Capital One would keep the account open but restrict usage. I have an auto loan and another card with Capital One and I dont understand why my account is being treated in this way. They offered me an auto loan 3 months ago yet they do not want to allow me access to my credit card? As a consumer, there was no way I could foresee the XXXX pandemic. I believe I have done everything in my power to make amends with Capital One, I dont understand the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
CPS CONSUMER PORTFOLIO SERVICES , INC ACCOUNT # XXXX XXXX XXXX XXXX XXXX ) XXXX THE NOT ONLY HAVE ME PAY FOR YEARS THIS USURY LOAN AND DAMAGE MY CREDIT BUT KNOW IM TRYING TO SETTLE A AMOUNT TO CLOSE THE ACCOUNT THEY REFUSING TO STATE THE INFORMATION OF THE VEHICLE IM PAY FOR IT IN THE SETTLEMENT LETTER OR GIVE OUT ANY INFORMATION ABOUT THE TITLE OF THE VEHICLE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
The complaint relates to the purchase of open water scuba pool sessions at XXXX XXXX XXXX via XXXX on XX/XX/2023 for {$230.00} using my Capital One quicksilver card. 
XXXX XXXX XXXX : XX/XX/XXXX Description of the XXXX deal - Scuba Diving Certification for One This is the beginner entry into scuba diving. This open water class is a combination of e-learning and traditional classroom. Once completed you will have earned an open water certification that is nationally and internationally recognized. 

XXXX XXXX XXXX promptly requested my voucher number in order to give me access to the e-learning course and subsequently marked it as redeemed on XX/XX/2023 without scheduling the classroom training and certification classes that was part of the deal. See email attached. 

I made various efforts to contact XXXX XXXX XXXX via telephone, email, and XXXX XXXX, as evidenced by the enclosed screenshot of our interactions. Despite my earnest attempts, I received no response regarding the scheduling of the classes. 

I was hoping to receive my training within 30-45 days of purchasing the XXXX as I had a long vacation planned out of the country at the end of XXXX. At no point did the XXXX fine prints mention that I will have to wait for an indefinite period of time before I can expect the full and complete delivery of the services described. Regrettably, my attempts to secure a response from XXXX XXXX XXXX proved unfruitful via phone or online messages. 

I reached out to XXXX customer service who refused to return my money as once the voucher is marked redeemed they can not or will not assist any further unless I obtain written confirmation from the XXXX school confirming that the service was not provided. Needless to say, getting a response from the XXXX XXXX XXXX is impossible as they don'y reply to calls, texts or emails. 

So, I filled a dispute with Capital one as a last resort as I was still within the 90 day period and provided capital one dispute team with proof indicating that the service was not delivered as promised. However the Capital one dispute team decided to side with the merchant as the merchant had marked the XXXX as redeemed. 

My husband had purchased the sameXX/XX/XXXX with his XXXX card and he had the same problem. However, XXXX promptly refunded him the money and didn't wrongfully side with the merchant. 

I am requesting a full refund for the disputed charge, given that the services were not rendered as described under the groupon deal description, and the merchant failed to respond to my inquiries over an extended period and for the time, energy and stress this whole situation has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Ive held an account with capital one for many years. Recently Ive been made aware that my data could have been exposed and that there was a class action law suit. I was never notified that there was a data breach and that my information may have been exposed during the incident. When I learned of this. I called the number and requested information to confirm if I was an original member of the suit and was told the deadline has passed. And was hung up on. How could I miss a deadline for something I knew nothing about? I check every single email I get in every folder every single day multiple times a day. I was never made aware by capital one that there was a data breach and if I could have been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Account XXXX, has violated my rights 15 U.S.C1681 section 602A. 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.C166b A Creditor MAY not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-07-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8.00} ; XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  card opened XX/XX/2019 amount XXXX}, XXXX this account is closed and is reporting inaccurate account number and inaccurate credit card limit when opened. I would like for this account to be removed from my credit report for inaccurate info and violation of consumer law 15 USC 1681i

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 2019-08-07
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 no idea what is going on here, XXXX XXXX XXXX XXXX is reported Repossession on my Experian credit report and 30 days late on XXXX ? This is all a big mistake! XXXX  doesn't even report this false accusation.. This has been illegally reported on my credit report..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the name of the person with whom you spoke who has firsthand knowledge of the account in question.. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's Office, should you continue reporting this erroneous item

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8.00} ; XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17
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: Information belongs to someone else

Complaint:
This account does not belong to me, please block and remove according to 15 USC 1681c-2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First Financial Asset Management did not notify me of their intent to attempt to collect a debt. They are not the owners of this debt, and I have no contract with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Performant Financial Corporation
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting calls for a XXXX XXXX for the last 4 years. This is not me and I have no idea who this person is. The last company is Premiere Credit XXXX. The last call was on XX/XX/2020.

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 2022-07-22
Company: Experian Information Solutions Inc.
State: AZ
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:
A Small Business Loan for {$32000.00}, was taken out for a LLC entity, under the Entity 's EIN. The Lender, XXXX, included my personal information, and residential address without my consent. And now this loan is showing up under my personal credit report, although I was told by the company that this would report on my business credit to help my business grow. Because of this incident, I am not unable to purchase my dream home, after I was approved for my home loan. My score was lowered and debt-to-income ratio is affected. I only gave this company permission to run a soft credit check, but nothing else per my 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 2022-02-15
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up for XXXX XXXX to get a little relief on my monthly insurance premiums. I was not informed that there would be any probationary period nor was I informed that cancelling during that probationary period would cause me to owe anything extra. 

If I was not informed that this could happen, it should not be on my credit report. I have asked the XXXX XXXX, Caine & Weiner to provide me proof and they could not provide any proof that I was notified of any probationary period at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Miss or Sir, I had an account with Bank of America for almost 7-8 years on the year of XX/XX/XXXX-XX/XX/XXXX i filed 2 complaint against the bank for deducting overdrafts fees by mistake from my account and XXXX helped me to get my account refunded with these wrong fees. I received bitter phone calls from responsibile people at the bank at this time to inform me that I will be refunded but always the person from the bank were speaking angrily because I dared to complain On XXXX XXXX and after all these years I deposited a check from a person who had not enough funds so the check was returned back to me and never been cleared this is first time I have a bounced check and its normal it happenes to almost everyone But the bank took the chance and as a form of revenge of my previous complaint on XX/XX/XXXX-XX/XX/XXXX the closed my account while I was outside the USA though i called them before I travel to be able to use my card abroad so they knew I'm traveling with the card I was stranded this was the only card I travelled with when I got back I found out that they went way too far they reported my name to a third party agency called XXXX XXXX so they contact all the other financial institutions I have cards from all my other bank accounts were closed Until today I can't open a bank account at XXXX or XXXX because I always get the response that Bank of America putmy name on a fraud alert with this XXXX  XXXX   agency I don't know why a bank would reveal a client information to a third party I did know about or sign for them to have my information and I don't know why a bank go this far to retaliate against a client because this client previously complained from the bank Thank you very much 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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX ( Original Creditor : XXXX NC ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XX/XX/2022

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 2022-07-22
Company: EQUIFAX, INC.
State: AZ
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:
A Small Business Loan for {$32000.00}, was taken out for a LLC entity, under the Entity 's EIN. The Lender, XXXX, included my personal information, and residential address without my consent. And now this loan is showing up under my personal credit report, although I was told by the company that this would report on my business credit to help my business grow. Because of this incident, I am not unable to purchase my dream home, after I was approved for my home loan. My score was lowered and debt-to-income ratio is affected. I only gave this company permission to run a soft credit check, but nothing else per my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: Aargon Agency, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
have contacted AARGONbefore via phone/certified mail requesting validation of a claim that I owe them XXXX, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not invoice that was sent ), showing that I have ( or ever had ) some contractual obligation to pay them. This medical bill was paid by insurance to original provider .I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX XXXX and XXXX  XXXX from AARGON for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill that was or itemized document does not constitute verification that XXXX XXXX mailed as explained in the letter that was mailed.Therefore if XXXX XXXX can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract it must be removed.

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 2020-08-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am a long time customer of paypal. i use their service alot. on the XX/XX/2020 i sent money {$200.00} to a pool company for payment to XXXX however the actual email for payment is XXXX. i contacted pay pal immediately to tell them to stop the payment. online it says the receiver will not have the money till XX/XX/2020 so there is time. however paypal refuses to stop the payment this has happened twice with paypal. the receiver does not have my money yet so they still have time to stop the transfer but will not do it. that is wrong thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
A Small Business Loan for {$32000.00}, was taken out for a LLC entity, under the Entity 's EIN. The Lender, XXXX, included my personal information, and residential address without my consent. And now this loan is showing up under my personal credit report, although I was told by the company that this would report on my business credit to help my business grow. Because of this incident, I am not unable to purchase my dream home, after I was approved for my home loan. My score was lowered and debt-to-income ratio is affected. I only gave this company permission to run a soft credit check, but nothing else per my 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 non-monetary relief