BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: Incomm Holdings Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX XXXX XXXX XXXX My mother got it for XXXX for me ( at XXXX XXXX  ) card worked the first day, was able to buy a little something and after that, I wasnt able to check the balance. The site kept saying my card number was invalid, tried to buy XXXX pizza and the site gave an error. The card had {$200.00} in it and i tried to call customer service, immediately got hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I used the XXXX system to make a payment of {$61000.00} on XXXX XX/XX/XXXX from my personal account in the XXXX to a US company for medical treatment. The US company is a customer of CapitalOne NA. 

Unfortunately, the account I sent the money to have been closed previously which should have meant that the money bounced back to my account automatically. However, this did not happen. 

My bank advised the first step was to establish the location of the money using a XXXX XXXX. 

The XXXX XXXX was actioned on XXXX XX/XX/XXXX but it was ignored. It was chased on XXXX and XXXX XX/XX/XXXX but these attempts were also ignored. 

When I contacted CapitalOne NA on XXXX XX/XX/XXXX via XXXX messaging using the account @ AskCapitalOne as I could not find any other route, they said XXXX XXXX 's to reach out to the sending bank for an assist. On XXXX XX/XX/XXXX, the same account said we recommend working with your bank to determine the best course of action. 

On XXXX XX/XX/XXXX CapitalOne responded asking my bank to provide a Recall Request and saying FUNDS WERE APPLIED PER YOUR INSTRUCTIONS TO AN INCORRECT ACCOUNT. This is not correct. @ AskCapitalOne confirmed on XXXX XX/XX/XXXX that CapitalOne does not recycle closed account numbers, so the funds have not been applied per my instructions as the money can not be paid into a closed bank account. 

On XXXX XX/XX/XXXX my bank started the Recall Request to ask for the money back. CapitalOne NA ignored this. They also ignored chasers on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

I also have the result of a XXXX XXXX tracker which shows that CapitalOne NA received my money. 

To summarize, CapitalOne NA did not follow the original XXXX instructions, has refused to discuss the matter with me and ignored my banks attempts to resolve this and as a result have kept my money for medical treatment since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: JPMORGAN CHASE & CO.
State: TX
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 made a payment of {$1500.00} from my XXXX personal checking account to my Chase XXXX credit card to make payments for my hotel stay on a foreign trip. Upon charging my card this morning, the payment was declined for insufficient fund when it is showing that the payment had gone through. I reached out to the Chase XXXX credit card and I was informed that my payment was put on hold for a week. I explained to them that I had made this payment to the card to cover for my hotel stay now I am stranded at a Hotel in a foreign land and every attempt I made to resolve my situation with Chase XXXX credit card representative and their supervisor to release the payment that is showing had gone through to allow me pay for my stay was unsuccessful. I have to reach out here because this is wickedness and inhumanity by this financial institution to hold back my money and putting me in a very frustrating and embarrassing situation, and they refused to do anything about it. Now I am stranded in a XXXX in XXXX, unable to pay for my hotel stay because of this credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Santander Consumer USA Holdings Inc.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Chrysler Capital keeps calling daily even though they 've been told that I DO N'T owe any outstanding debts. If I owe a debt, then send me the paperwork, which of course they wo n't. I told them if they continue to harass me I was going to fie a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My Barclays Bank of Delaware Rewards MasterCard account was sold to a unsavory financial institution, without my consent. I pay my monthly bills. I asked them why, they told me my account was sold as part of a larger purchase by the other financial institution. I asked why my account they said they couldnt tell was just a bank transaction. No details were given to me. I asked them if I could just close my account so Im not paying such high interest they said the could close my account but would still be under the new bank as of XX/XX/XXXX. Offered me no means of just paying Barclays ( the actual bank for the master card ) and told me was not able to work debt settlement with me anymore. This came out of the blue, I make my payments and pay ridiculously high monthly interest. I feel betrayed, I have Visa card with them that is not involved in this buy out? They said the reason the visa was not sold was because it was opened through 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 2023-08-02
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this 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 2023-01-12
Company: EQUIFAX, INC.
State: MS
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:
I PREVOUSELY COMPLAINED TO THE CREDIT BUREAUS AND FILED A COMPLAINT WITH CFPB THAT I DID NOT WANT XXXX XXXX SHARING ANY INFORMATION TO THE CREDIT BUREAUS. I FILED THIS ON XX/XX/XXXX WITH YOU, CFPB, AND MORE THAN 30 DAYS HAVE PASSED AND THE CREDIT BUREAUS HAS NOT RESPONDED TO MY COMPLAINT FOR PROOF. EQUIFAX RESPONDED ON YOUR WEBSITE ON XX/XX/XXXX THAT THIS IS MY ACCOUNT, BUT DID NOT PROVIDE PROOF OF SHARING PERMISSION FROM ME. 
AND I REQUESTED PROOF FROM XXXX XXXXED THAT THEY RECEIVED PERMISSION FROM ME TO SHARE MY INFORMATION WITH PROOF. EQUIFAX OR XXXX XXXX DID NOT DO SO WITH 30 DAYS. NOR DID THEY GIVE A LEGITIMATE FOR AN EXTENSION OF TIME. 
I WANT THIS ACCOUNT IMMEDIATELY REMOVED FROM MY 3 CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Early Warning Services, LLC
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got scammed from XXXX XXXX from XXXX, TX and I didn't know he was from Texas and I wanted my {$1000.00} back he took from me without sharing information on what this is about and I reported this to the police and hopefully catch this jerk!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is an invalid dispute, I was never contacted by mail regarding this dispute, and the dispute is classified as Attorney dispute NOT medical dispute. They have broken the law by not providing any information related to this dispute, other then a phone call 90 days after in which I told them this was in dispute, NOT valid, and provided evidence to the collections agency that this was an invalid bill. 

I disputed the amount in entirety with the medical office, filed complains with State and Federal medical boards and this false claim was still sent to collections/ XXXX XXXX XXXX  XXXX {$130.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX High Balance {$130.00} Original Creditor XXXX XXXX XXXX Past Due {$130.00} XXXX Status >Collection< Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-29
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
On XX/XX/2022, American Express cancelled my credit card with no notice provided to me of this confirmed action. 

On XX/XX/2022, American Express sent me an email stating if I made a minimum payment by XX/XX/2022, the following would occur as a result : - Avoid further negative impacts on your credit score - Stop additional late fees - Reduce your outstanding balance - Improve your accounts standing On XX/XX/2022, I made the minimum payment over the phone to take advantage of the benefits stated in the email I received on XX/XX/2022. During this phone call the representative did not disclose that there were plans to continue efforts to close the account regardless of me making the minimum payment. 

On XX/XX/2022, American Express reported to the 3 major credit bureaus that they've closed my credit line, causing further negative impacts on my credit score and not improving my account 's standing, as stated in the email I received on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is another debt collections company trying to threaten me with suspended license trying to extort me on behalf of an insurance company whos claim was already disputed both through them and the last debt collectors they tried to send

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My father passed away in XXXX. I am his daughter. Since then, I have called PayPal no less than 8 times and am always on hold for a minimum of 30 minutes, usually longer, before someone can help me. The people themselves are very nice, but no one can tell me where the money in his account is. All we ask is that it be deposited back into the checking account my dad opened the PayPal account with. I do not want the money- it should go back into the account he opened it with, which is a joint account with my mother- who is the sole beneficiary of his estate. PayPal even acknowledges that this is their processwhen an cactus closed to refund back to the opening checking account. But, I am not confident they know their own processes as up until XXXX they still hadnt marked my dads account as deceased- even though we submitted his death certificate and his marriage certificate 3 times. The amount in question is XXXX. This has been going on for 6 months, I dont understand what the delay is and why no one can help. My mother needs that money. She has XXXX and that money is needed to help pay for her XXXX  and other costs. Every other company has been helpful and knowledgeable about what to do when an account holder diesthis is so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed these companies being on my report because I did not ask for them to inquire about my credit. 
These are the list of companies who inquired about my credit below : Inquiry details XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX7 XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Syncb/walmrt Inquiry from XX/XX/XXXXSyncb Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/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 2023-04-03
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:
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 OF XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Hard Inquiries were made on my credit report on XX/XX/2023 and XX/XX/2023. I did not authorize them to make a hard inquiry. I tried calling each of the companies to dispute it and they could not provide me with any information. I tried calling the credit reporting agencies and they said I had to call the companies directly. 

Hard Inquiries XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXl ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2023 Bank ( 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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 non-monetary relief
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Transunion has allowed a breach of hard inquiries from XXXX XXXX on XX/XX/2022, XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I informed transunion that I did not authorize these hard inquiries and I want them removed. Transunion told me to contact the ftc and submit a report. FTC transferred me to consumer finance and I am now requesting the through the consumer finance that said hard inquiries 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 2022-10-29
Company: EQUIFAX, INC.
State: MI
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:
Good morning, I am reaching out to the CFPB to have Equifax make good on their reporting errors. I recently read online that Equifax has purposely reported inaccurate credit scores for consumers whose job it was to protect consumers. I as a XXXX  XXXX  feel especially effected by this mishap. I pray that the CFPB will encourage Equifax to right this irreparable MISTAKE! I dont know any other way I can recover, except for the removing all account items that are in good standing and also those in negative status. This blatant mistreatment of minorities has to stop now! I am now paying high interest on credit accounts because of this issue! No compensation will reversed the clock for all the suffering I have endured as a result of poor credit scores being reported by Equifax. Please XXXX help me before its too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed other complaints on Wells Fargo about a disagreement with reference to late payments. There response was they stood by there statements that I was late on several occasions. However, I received a written statement from them admitting that they were in error and they apologized. Their error caused me thousands in interest and other costs as I could have refinanced the mortgage and lowered my payments. I only have 10 years left on the mortgage and I would like to move on to another lending institution. However, I can not due to Wells Fargo stating I was late on payments which lowered my credit score. They are also attempting to escrow my taxes which I do not agree to. I have had the mortgage for nearly 21 years and taxes are current. There in no reason escrow the taxes and insurance and mortgage statement does not give them the authority to do so. Again, the account is nearly 21 years and I have always had Insurance. There was an insurance error on the policy relating to date of coverage ( XXXX XX/XX/2020 ) which is less than 30 days. I had coverage for this time period and I am waiting on a response from my insurance carrier. The policy I have costs around {$1300.00} - {$1400.00} per year ( less than {$120.00} per month ). The time period in question as stated above, Wells Farog charged me a premium of {$200.00}. As you can see, the unfair financial practices continue

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