BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Today, XXXX XXXX, I was notified that I had received a statement credit equivalent to all my rewards points. Capital One had converted all of my rewards of over 96,000 MILEs to a statement credit at 0.5X the number of miles. 

They had closed my card WITHOUT WARNING and done this. I understand it is their prerogative to close the account. However, they had advised me that they would be closing my bank account. I called the credit card company on XXXX XXXX XXXXXXXX and they said that no such action was pending on my credit card. 

I also asked for a PRO-RATED refund of my annual fee which was XXXX. Capital One said that I had exceeded the window for obtaining a refund. A window that of course applied to when the customer closed the account. NOT THE ISSUING BANK. 

I reached a representative over the phone and she had told me that all these actions were covered by the terms of my credit card agreement. The ONLY thing contained in the credit card agreement was the bank prerogative to close the account. Nothing else was stipulated about the rewards or the annual fee refund. 

I also have a travel credit of XXXX  as part of a price protection agreement that Capital One is not crediting to me. I was advised I would have to be a Capital One cardholder to use this, but since I was not the one that terminated the account, I should be entitled to this. Had I booked the flights with XXXX, I would have received the cash straighaway. 

When pressed, the representative continued to insist that these were all contained in my terms, which she was clearly unfamiliar with as she could not specify where in the terms those specific points were covered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12
Company: TRUIST FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
In XXXX of 2021 a credit card was fraudulently opened under my name by someone that I know. I was not aware of this till XX/XX/2021 when the credit card was maxed out and SunTrust ( now Truist ) called to tell me this. I immediately closed the account and asked to speak to fraud department. I filed a police report and sent all documents to the credit copy. I frozen all credit bureaus and sent all letters explaining what has happened. This investigation has been going on since XX/XX/2021 and there is still no resolution. I have to email them weekly to ask for update but they continue to tell me that " it is complicated because of some purchases '' During this time my credit has gone from XXXX to XXXX. I am unable to do any major transactions, or make any major purchases as my credit is still frozen and credit score is ruined. 

They have the suspects name, info, address, phone number and when i asked if they have even reached out to that person they stated that they called " once '' and there was no answer. 

I have made multiple attempts to reach out and ask for status even regarding a time frame that they think this will be resolved but they have yet to give me a reasonable answer. 

We are going on 4 months with essentially no resolution and no update. 

I have finally hired a legal team to pursue this manner and costs are being accumulated as we continue waiting

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 2021-03-22
Company: WELLS FARGO & COMPANY
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:
I purchased a roundtrip ticket using my debit card from XXXX XXXX in XXXX for the XXXX season. I ended up cancelling my trip because I called XXXX and asked if my trip was eligible for a refund. The representative told me it indeed was- after I gave her my flight information and so on. She told me to fill out the cancellation and refund request online. So I did. A few days later I get an email from XXXX saying they wont be able to refund me. 
I call XXXX and told them what happened and why I cancelled the trip and what their representative told me. They refused to give me a refund. I called them again later in the day and escalated to the problem to a manager. They refused, so I turned to my bank, Wells Fargo. 
WF was took all my information. I told them what happened they gave me a credit to my card and told me they would investigate the case. 3 months later and they have closed the claim and took the credit back.

Im a little lost on what to do here since XXXX representative told me I was eligible to a refund. I dont know what to make of WF decision since Im not sure they fully investigated the situation.

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 2022-10-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd CFPB Complaint to inform the Credit Reporting Agencies that I am a victim of identity theft and I am submitting this CFPB Complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureaus provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. [ ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ] Once again, I am requesting the removal of the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX 'S XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Burke Moore Law Group, LLP
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This phantom debt collection agency is calling my corporate cell phone number as well as the cell phones of my family members- my kids and XXXX  parents, threatening legal action and threatening to show up at my home or employer. This is illegal and must stop. Im so upset about these spam calls! If I owe a debt the normal course of process would be to send me a letter in the mail- of course there is nothing for this organization on my credit report, it is completely clean and I just bought a house. Please make this stop - thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX : XX/XX/XXXX SSN : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX : Account number : XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Sincerely, 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 2023-08-09
Company: Tate and Kirlin Assoc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Get these panhandling frauds out of my inboxes. XXXX -- XXXX XXXX XXXX XXXX, XXXX All Rights Reserved XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The following account is not mine XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

3. Mistaken Identity XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. This account resulted due to identity theft. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: SameDay Auto Finance, LLC
State: TX
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:
I submitted a complaint to which your company stated that you could not verify the account with the information provided. According to the FCRA, this is a violation and grounds for removal. Your company also asked to provide the account listed on my credit report. I have attached the account in question. Your company should have record of all accounts being furnished to the CRA 's. You are reporting inaccurate information, and I am requesting the removal of this account from my credit report immediately. The location of the specific branch is XXXX Tx. However, if I have to take this to small claims court, I will be suing the company as a whole.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: ERC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit file I saw this company enhanced recovery ( ERC ) that I have never done business with about a alleged debt that is not mine. They have never contacted me nor provided me with legal documentation about this debt. Please remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I became aware of this debt when attempting to apply for an apartment and was denied due to this debt because it shows bad rental history. I have disputed with XXXX numerous times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I sent an affidavit to the company ; National Credit Systems and have not heard back to them in regards to the account being removed from my credit. It is joint debt and I do not know the other 2 people on the account ; we do share the same last name. The creditor would not send me the apartment application or ID submitted so that I could let them know it is not my signature or ID provided. This collection is hindering my ability to get housing. I did not reside in these apartments. I do not even live in the state these apartments are located. I did go to school in XXXX XXXX from XXXX but I reside in student apartments called XXXX XXXX XXXX. Then I moved back home with my parents after XXXX in XXXX, XXXX  after accepting a job as a XXXX XXXX with XXXX XXXXXXXX XXXX XXXX XXXX XXXX I worked 3 years XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: NY
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:
I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. The following information listed in this report I have no relation to. This has hindered me to be able to build a good credit profile. Under FCRA 605B I am requesting that this information is removed from my credit report within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any original documentation stating that I owe a debt to these creditor. Failure to comply will result in a litigation process against all parties involved including any agency reporting fraudulent information to my credit profile. 

The following information is fraudulent. 

XXXX XXXX XXXX Balance {$4300.00} XXXX  XXXX  XXXX Balance {$520.00} Inquiries : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Resident Verify XXXX/XXXX/XXXX Resident Verify XX/XX/XXXX Please Mail all correspondance to XXXX XXXX Pl XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wanted to deposit {$2300.00} into my account because I needed to pay electronic bills. I went to the XXXX and started making a deposit. However, the XXXX did not immediately accept the entire amount of {$2300.00}. They returned some of the money back to me. Despite this, I decided to continue with the transaction and deposited the rest of the money, making the total amount {$2300.00}. However, the XXXX gave me a check that indicated an error and instructed me to contact the bank. When I checked my account, it only showed {$1300.00} instead of the expected {$2300.00}. I have been unable to resolve this issue for several days. As someone who earns {$2300.00} a month and uses this money to pay for housing, I kindly request that Bank of America return the remaining {$1000.00} to my 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 monetary relief
Consumer complaint received 2023-10-05
Company: ARC Management Group, LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$4100.00} I have disputed this charge on XXXX XXXX I have froze my credit and have done everything I can think of to resolve this matter in my favor.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The Cares Act suspended qualified student loans payments and interest until XX/XX/XXXX. Navient is only giving a one month suspension. I did not pay my scheduled payment and did not contact the lender as stated in the information at student aid.gov. I was contacted by the Navient and was told I could only get a one month suspension. 

All borrowers with a qualified student loan should receive the entire forbearance period as stated by the law. I request a forbearance from XXXX XXXX and need your help to ensure that my Loan servicer Navient abids by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: General Motors Financial Company, Inc.
State: VT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
At the end of my lease i called to have my in person inspection done. They explained that they were not doing inspections due to COVID but i could drop my automobile off at the dealership. I dropped the vehicle off and that was the end of it until i got a bill for new tires. I had just put new tries on the vehicle. Apparently they were not the right speed ratio. I called and explained that due to not having an in person inspection i was never able to rectify the situation. I said well if i have to pay for new tires then i would like the tires that i put on the vehicle. They told be the tires i had put on were sold with the car. The bill for the new tires they are charging me are {$600.00}. My question is why am i paying for new tires when the others were sold with the vehicle? I feel i should have been able to take care of the matter when it was inspected but was never given the option.

Company response to consumer: Closed with explanation