BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I missed my XXXX XXXX payment due to COVID19 I have been out of work for the month XXXX. I called today XX/XX/XXXX and after a 2 hour wait I spoke with someone I was transferred 3 times and finally got an answer that they can not help me until my account is current. I told them and how do you expect me to pay whrn I am unemployed? 
I was told they could defer the late charges for 3 months then full amount is due ... But if I brought my account current they had other options available but they could not tell me what they are. 
How is this helping people I have always paid on time I am unable to pay now because loss of work due to COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had unintentionally provided my employer with an old account info for cash app that I no longer had access to. This was XXXX of 2021 once I realized my error and contacted cash app about the issue it took a couple of days die to the way their customer service is set up they assured me that if I provided a letter from my employer on company letterhead that had specific information about the direct deposit and ach number that the issue could be resolved. We'll once I had that form my employer it was a different story altogether and they stated I'd have to have the issuer reverse the deposit. This was about XXXX by this point in time which was 2 months after.ive tried showing them the original emails where they said they could resolve the issue with said letter but to no avail. This is for a paycheck for over XXXX dollars and it's frustrating for me. All bc I don'have access to the phone or email that I used for that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: EQUIFAX, INC.
State: CA
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:
I contacted XXXX XXXX about 2 months ago, in late XX/XX/2019, to dispute fraudulent charges on both of my credit card accounts and had reported to them that about a year ago, my identity had been stolen. I spoke to a representative and explained that I was only able to see less than a year 's charges on my account, but, I wanted to dispute the charges that I was able to see at the time and that I would call back after this investigation to request help in viewing the rest of the account that I could not view. I spent about 45 minutes on the telephone with the representative, while she asked me questions and took down the information for my dispute -that included the vendors, dates, and amounts. She stated that the investigation would take about 30 days and that XXXX may contact me regarding further questions, if needed ; and that I should hear back from them. I did not hear back from XXXX XXXX within those 30 days, except one email on XX/XX/2019 stating that they received my complaint ( but it was for only one account which ended in XXXX. The email did not have any mentions of the other account ending in XXXX. I contacted XXXX XXXX a second time, in XX/XX/2019, asking about the results and the representative stated that she would cancel the cards on the account, but without stating the results of the investigation. I contacted XXXX XXXX a third time, on XX/XX/2019, regarding update for the investigation, stating that I have not heard anything from them regarding the investigation. I was transferred to 3 different representatives, all of whom stated that there was no documentation in their system of my investigation, or that I had disputed any charges. One supervisor, name " XXXX '', whom was very professional and helpful, apologized that this had happened and stated that I put in another dispute of the charges and this time ask for the fraud department, once I gather the information again. XXXX XXXX handled my dispute of the fraudulent charges unprofessionally, never documenting that I put in a dispute, even after the representative had me on the telephone for over 45 minutes -supposedly documenting my dispute of the charges. XXXX XXXX is aware that my identity had been stolen and still not properly handle my dispute of fraudulent charges in a professional and resolvable way, leaving the charges on my account and having me pay monthly for charges that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I purchased a bunk bed from XXXX XXXX XXXX online they charged me {$440.00}. The next day the item shipped in 3 separate boxes and XXXX XXXX decided to bill me again for each box which came to {$440.00} again. So they charged me twice for the same item I called XXXX XXXX and they told me they would release the first charge but my bank would need to release it on my bank acct ..., I called USAA and we did a conference call to XXXX XXXX they confirmed they would release the first charge. Per USAA the pending charge would be released within 24 to 48 hours from the XXXX ... 48 hrs pasted and the charge was still pending now USAA tells me by Friday XX/XX/26 it will be removed come Saturday the charge was still pending so Saturday they tell me by midnight Saturday it will be removed and the funds will be put back into my acct it is now Monday and the pending charge is still there ... I called again this morning and was transferred to their escalation team who refused to assist me and told me that it will be released tonight at midnight ..., I asked for something in writing regarding their policy and she fused ... .I asked for a manager and she refused ... I asked for her full name or employee Id she refused ... I need assistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-03-31
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
My citi bank Best Buy card account says I owe {$530.00} when I owe nothing. At this point I have paid them more than what I have bought, the card has no interest. I have contacted them multiple times over the secure message part of the website that says I will be replied to in 4 hours. It has been a week with no reply. 

I do not owe any money on my Best Buy citi bank account. I have only bought {$1300.00} worth of items from Best Buy and have made payments or received credits of {$1300.00}. My charges are ; XX/XX/XXXX for {$410.00} XX/XX/XXXX for {$16.00} XX/XX/XXXX for XXXX XX/XX/XXXX for {$86.00} XX/XX/XXXX for {$210.00} XX/XX/XXXX for {$270.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$38.00} XX/XX/XXXX for {$20.00} XXXX {$200.00} I have made payments or received credit of {$1300.00} ; XX/XX/XXXX return of {$19.00} XX/XX/XXXX return of {$21.00} XX/XX/XXXX return of {$64.00} XX/XX/XXXX late fee reversal of {$28.00} XX/XX/XXXX return of {$210.00} XX/XX/XXXX payment of {$66.00} XX/XX/XXXX return of {$210.00} XX/XX/XXXX return of {$85.00} XX/XX/XXXX payment of {$100.00} XX/XX/XXXX payment of {$100.00} XX/XX/XXXX return of {$33.00} XX/XX/XXXX payment of {$100.00} XX/XX/XXXX payment of {$200.00} XX/XX/XXXX payment of {$130.00} Please correct this since I have only bought {$1300.00} worth of items and have paid or received credit of {$1300.00}.

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 explanation
Consumer complaint received 2023-02-20
Company: Block, Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
{$100.00} was taking out of my account after I had a discussion with the Cash App support manager name XXXX when I told her that my first card order which cost {$50.00} was not working, and that cash app had canceled my card activation which forced me to to consider purchasing another card. XXXX said that I would get refunded if I ordered the new card exactly the same way that it was ordered before. Now Cashapp is saying that they do not refund card orders but its not in their term and policy. This has been they do not refund card orders but its not in their term and policy. This has been going on for several days now and now they have falsely misled me to waste {$100.00} worth on one card that I didnt need to pay for because they are refusing to refund me the money. Nowhere in their policy does it say anything about non-refunding card orders. No one wants to help me. Ive contacted them through their phone as contact them through chats. I have screenshots of the entire conversation and I am getting nowhere. I need help because this is not something that should be going on with customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had a auto loan with XXXX XXXX XXXX ( XXXX XXXX XXXX ). The car was totaled and all pertinent paperwork from the insurance company was forwarded to XXXX. XXXX had placed their own GAP insurance on the auto note. There is a $ 700+ balance that they are refusing to cover by the GAP insurance. 

Repeated efforts, calls and emailed has failed to resolved this issue. There has been no responses to my email. This has reflected negatively on my credit report and has caused me to lose the opportunity to close on a home. Is this an issue that you could help me with? Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Listed are my rights : 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 and antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if 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 2021-03-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The payment history information reported is incorrect. I've continued each credit bureau and the creditor, XXXX XXXX XXXX. 

Experian states in the comments state in the comments Paid was past due 30 days 2 or 3 times Then they show in the payment history only 1 late payment ( XX/XX/XXXX ) That's incorrect information XXXX  state in the comments state in the comments Paid or paying as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information XXXX  state in the comments Pays account as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information Payment history is 35 % of the credit score. And all ( 3 ) of the reporting agencies and inconsistent, inaccurate information. All of them are extremely hurting my credit score with incorrect payment history information reporting.

I've sent multiple letters to all ( 3 ) credit bureaus They all updated to state paid as agreed with no late payments Then went back and started changing the late payment dates which cause even more issues as I was in the middle of the home buying process.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to contest the presence of incorrect and faulty accounts on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect or incomplete information on my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. The accounts I am disputing are : XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX Balance Owed : {$29000.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX XXXX Balance Owed : {$9900.00} XXXX XXXXXXXX XXXX Balance Owed : {$820.00}. The information in these accounts is incorrect and does not accurately represent my credit history. I request that you investigate this matter and correct any inaccuracies found. The FCRA 's section 611  mandates credit bureaus to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires credit bureaus to provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.

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 2018-09-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I really do not know where to start at, I have been dealing with SPS- Select Portfolio Servicing since 2015, trying to do a deed in Lieu that I was approved for, due to me facing hardship at my job which caused me not able to keep my home, then I received a letter stating I did not have all the paper work I sent, I re-sent in all paper work via fax, next day postal service, an email and its the same story over an over now we are still here years later with the same issues we have found a realtor who is trying their best to help us yet are felling like what is really going on an why is it so hard to get results on a simple issue, granted no Deed in Lieu to transfer home back over, found a buyer to buy the house sent in all paperwork an still getting letters stating we are missing documents, every time we call its the same thing over an over we have sent in so much paper work Im tired I can not take it no more, SPS is very unprofessional no one knows anything, every time you call you get a different answer. they claim we had a relationship manager who we never spoke to accept once. SPS are sending us through the ringer an back, an its very sad to have to be putting up with this for over two years. I just feel this matter is above my head right now that is why I am looking for other resources to help me an my family now because enough is enough

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Balance : {$850.00} Furnisher of information : XXXX XXXX Portfolio Recovery Associates Date Assigned : XX/XX/XXXX Balance : {$460.00} Furnisher of information : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 

XXXX XXXXXXXX XXXXXXXX Date Assigned : XX/XX/XXXX Balance : {$660.00} Furnisher of information : XXXX XXXX XXXX XXXX. 

*PLEASE NOTE : LEGAL ACTION WILL BE TAKEN ON CONDITION THAT THE ABOVE CONSUMER REPORTING AGENCIES FAIL TO HONOR THE RIGHTS PROTECTING I THE CONSUMER*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: MD
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:
in my credit report appear several companies that never I was soliciting o take a credit from there, somebody using my information to get those credits. all these charges is damaging my credit report * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called all this companies but they said don't have any account or purchase with my name or itin number, this charges only appear in experian credit report, but they said can't access to those accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Santander Consumer USA Holdings Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is in regards to a previous complaint that needs follow up. 
Previous Complaint : Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Santander reported to XXXX  that I am 30-days late on a {$0.00} balance. This has cause my credit score to plummet over 60 points. In addition, the other credit reporting agencies have been notified that the account is CLOSED, not PAID AS AGREED, which has also impacted my credit score negatively. I have NOT been notified about how I can obtain my title, nor when it will be released. 

I did call Customer Service directly, as usual, they were absolutely no help!

Company response to consumer: Closed with non-monetary relief