BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
In XX/XX/XXXX, I filed a CFPB complaint against Capital One ( CFPB # XXXX ). They refused to return my deposits ( {$130.00} ) from XXXX despite providing them with evidence, which included XXXX 's own policy of temporarily withholding {$50.00} on the credit card for XXXX week that would be returned to me ( attached ... .again ). 
They sent you - CFPB - a copy of a letter addressed to me ( attached ), stating : " On XX/XX/XXXX, we issued a goodwill credit of {$130.00} to your account ''. In which you XXXX- closed the case. 
However, no credit was extended to me at all. When I called today ( XX/XX/XXXX ), I got same old song and dance that prompted the original complaint : they took XXXX 's side. I asked Capital One to provide me information XXXX had provided them that disputed my claim. They can not do so because they don't have it. They have the same REFUND POLICY from XXXX that I have. So essentially, Capital One lied so that the original case could be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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: Reporting company used your report improperly

Complaint:
I sent the credit bureaus my disputes regarding fraudulent accounts opened without my actual consent included identity theft report to better plea my case. In response they said the account was verified on 2 credit bureaus ( Trans union and XXXX ) but XXXX came back us unverified and was removed from report. 


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 2023-09-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX was my cable/phone/internet provider for services at my former address. The original technician XXXX XXXX  me during the first " installation '' visit, and never properly installed the services -- he ran my equipment through an old, rotted XXXX XXXX cable that was falling apart in pieces instead of running a new account cable to the pole. The services NEVER worked properly, forcing HUNDREDS of complaint/repair phone calls, texts and emails where they still never properly repaired the services or offered concession discount. I still continued to diligently pay the full bill anyway, because I had no choice, for several years, for service that literally NEVER worked properly from day one. I finally changed services to another company several years later, returned the equipment -- with receipt proof of return, and was forced to file several XXXX XXXX XXXX complaints about the abusive company practices. They continued to charge my credit card for MONTHS after the equipment was returned and services were stopped with them, with a brand new company providing services. I had to voice record and video record their phone calls several times, and they actually SENT ME TO COLLECTIONS 3 SEPARATE TIMES, CLAIMING I OWED A DEBT TO THEM THAT I DO NOT OWE, HOUNDING ME WITH COLLECTIONS NOTICES AND PHONE CALLS AND CAUSING SERIOUS HARM TO MY PRISTINE CREDIT REPORTS AND XXXX SCORE, THREE DIFFERENT TIMES. NOW, THEY'VE DONE IT AGAIN, FOR THE THIRD TIME, PLACING AN ILLEGAL COLLECTIONS DEBT ON MY CREDIT REPORTS FROM CREDIT MGMT LP, THAT WILL HARM MY CREDIT FOR THE THIRD TIME. THEY NEVER STOP. I DO NOT OWE THEM THIS DEBT. THE EQUIPMENT WAS RETURNED WITH RECEIPTS AND EVERYTHING WAS DONE IN WRITING TO PROVE IT. I AM SICK AND TIRED OF THIS ABUSE AND HARM TO MY CREDIT SCORE FROM THIS UNSCRUPULOUS COMPANY AND ITS ILLEGAL AND UNFAIR BUSINESS PRACTICES. I WILL BE SUING THEM FOR WHAT THEY HAVE BEEN DOING TO ME FOR ALMOST TWO YEARS NOW. I AM SICK AND TIRED OF BEING HARMED BY THIS COMPANY. THEY NEED TO STOP. IMMEDIATELY. AND I AM GOING TO SUE THEM FOR THE DAMAGES THEY HAVE ALREADY CAUSED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Experian Information Solutions 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:
XXXX  incorrectly reported to all  XXXX  credit bureaus that I was late paying my mortgage in  XXXX  when in fact I sold my home on  XXXX / XXXX / XXXX .     I contacted   XXXX   after I attempted to get a pre-approval letter from  XXXX   XXXX    XXXX   XXXX   XXXX  and  XXXX  Loans who reported my loan being open in  XXXX   XXXX . They told me that the loan was closed by them  XXXX   XXXX ,  XXXX , which is not correct according to the closing documents from   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   ,   XXXX   XXXX .      XXXX  filed a dispute for me at that time. I received the documents sent me from  XXXX  but it did not include a letter that they in fact reported it late to the credit bureaus, which was also requested. They did not attempt to call the bureaus to rectify their error.     I used  XXXX  to help resolve the problem in  XXXX , however it has been a month and  XXXX  has yet to respond as of  XXXX / XXXX / XXXX  inquiry from  XXXX . The other  XXXX  agencies have not taken it off their reports  XXXX  and Experian have placed the request by  XXXX  into investigations since they have inadequate documentation.     Today,  XXXX   XXXX ,  XXXX , I called  XXXX  at  XXXX  and they told me their dispute is pending. I explained that it was unacceptable that I have not received a letter form them stating that there was an error made by them in reporting the loan delinquent when in fact the loan was closed by them and not documented accurately!!!     They refused to let me speak to a  manager  or supervisor in their department. The rep handing the call gave me a number to fax to  XXXX  a written authorization for them to speak to the Credit Bureaus Agencies, (  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 2022-04-07
Company: Genesis FS Card Services, Inc.
State: IL
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 initially purchased something online at XXXX  and it never was sent out and shipped even though company said they did. However XXXX XXXX  told me the ship number initiated at shipper but never was handed to XXXX XXXX. So with that being said I contacted credit card company milestone and told them I wanted a reversal on charge. They said they couldn't help me yet but to call back in a week and they will see what they can do. A WEEK! I just closed account at milestone but now have no help on charge for something I never got

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting 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:
fraudulent account on my credit profile from XXXX Opened XX/XX/2023 fraudulent inquries also on credit profile. 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 2020-12-08
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My lease was scheduled to end on XX/XX/2020. On XX/XX/XXXX, I called and spoke to an Ally representative regarding my intention to pay the balance due in order to purchase the vehicle. I was advised that I would need to overnight the check to Ally, which I did on XX/XX/XXXX. The check was received by Ally and my account has shown as being paid in full since XX/XX/XXXX. Around XX/XX/XXXX I contacted Ally to inquire as to the status of the title and was told that someone would be contacting me. Only then did I receive the odometer statement from XXXX, with no indication that it had come from Ally. Several days later I was able to determine that this was not spam and responded on XX/XX/XXXX. Since then, I have contacted Ally several times requesting the title and have not been successful as of XX/XX/XXXX. I do not understand why this would not be an automatic process. I have requested several call backs and have not received any. I can see on the Ally Customer Support XXXX that I am not the only person that is having this same experience and runaround regarding obtaining the title for paid off leases.

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 2023-10-01
Company: EQUIFAX, INC.
State: PA
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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: TN
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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Certified Bureau of the South, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently checked my credit report after not checking it for years and I noticed som e medical collections  that are inaccurate. Not only did I not receive any notices in the mail from the hospital or the collection agency, I believe these medical debts are a mistake. I made nor signed any contract with  XXXX   XXXX   XXXX . I kindly ask that these collections be removed from my credit report because they cant be mine. They are as follows ;  XXXX  Certified Bureau Of The So Col Original Credit or-    XXXX   XXXX   XXXX   XXXX   XXXX   Opened Date-   XXXX   XXXX ,  2013    Balance- {$230.00}  XXXX - CB  South Original  Creditor-  XXXX   XXXX   XXXX   XXXX  Opened Date-  XXXX   XXXX   ,   2013 Ba lance- {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I recently looked into all my robin hood account statements in XX/XX/XXXX and found an statement from XX/XX/XXXX showing transactions worth almost XXXX XXXX dollars. I recently opened XXXX XXXX statement and seen XXXX XXXX from a ACH transfer to my XXXX XXXX  account. Under Regulation E im sure I can prove my case. Whatever person or persons used multiple devices scanned my ID card so I could not upload my ID which I had uploaded on XX/XX/XXXX. Both cases are still open XXXX only gave me a small portion of certain transactions. I have all my documents and proof showing someone needs to get arrested for fraud as well with other Federal laws broken. I was under the impression certain security issues were fixed until yesterday my Robinhood account app settings changed. It was due to me uploading my ID XX/XX/XXXX or the XXXX XXXX, from one of the company 's support member emailing me a portal so I could upload my ID. I have been spoofed by the person or persons involved acting as IRS support, XXXX and robinhood via email. XX/XX/XXXX I filled out part of my Taxes in XXXX and it still showed it had XXXX XXXX dollars in proceeds on my form. All of these federal laws broken and my bank account as well as the brokers account shows I never had more than XXXX XXXX inside robinhood since XX/XX/XXXX. Under the XXXX rule an organization with the government should have contacted me. It shows transfers too California under my name and ACH money transfers. I have proof that my apps were duplicates and set to default with both XXXX and robinhood. I have made a lot of reports detailing my situation and even provided documents to both companys. I am XXXX XXXX XXXX XXXX and im from XXXX Texas, Robin hood has a location protection and it locked my cards withdrawals so how they still used my account left me clue less and stressed due to all of the fraud and unauthorized transactions. The IRS is going to know where is that money is I never had in Robinhood. I just would like justice done on the person or group which hacked my phone and used personal information to withdrawal money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Paypal Holdings, Inc
State: MO
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:
Venmo froze my account for no reason and won't let me get my own money out of my account. They are refusing to let me withdraw my own money and are holding it hostage for no reason. They sent a email on Thursday making things up about me and saying they were going to freeze my account. They never came up with a solution and instead created more problems and sent money back to someone who bought merchandise from me that had lied on me to try to get their money back. Now they just sent me a email today Sunday saying they permanently deactivating my account saying i violated user agreement which i never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN 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
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2023-10-29
Company: PENTAGON FEDERAL CREDIT UNION
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
In XX/XX/2023, I was approved for a credit card with PENFED Credit Union. After a couple of months went by, and once my cash advance kicked in, I started having trouble with my usernames and passwords being XXXX and keeping track of my current and recent transaction history by features that were being removed from my online account by the bank. These troubles would reoccur every single time I would try to log in and out of my online banking account. Because of these reoccurrences, I knew my account had been targeted for harassment. Once I was no longer able to log into my account or/and keep track of what I was spending, I would immediately contact the bank by online chat and try to convince them to replace the features back on my account so I could continue keeping track of my spending which they never did. I then would have to contact them about mechanical errors on my account for it being able to load important information on it. I would even have to reset my passwords constantly on the account because they were being XXXX on a regular basis. Once I got my password back to working a couple of times, there came a time when my cash advance had kicked in for quite a bit, and at that moment, I had discontinued using the card for a month or XXXX. As soon as I started using the card again, unauthorized charges started popping up on my purchase amounts. I was billed twice for XXXX XXXX with XXXX of them legit, and the other one was not. I then immediately called XXXX to resolve the issue but they could not do anything because the unauthorized transaction did not show on my XXXX account. I then knew the unauthorized charge was on the bank 's behalf and not XXXX 's because XXXX usually would refund the money right away, which in this case never happened. Otherwise, my account has now been XXXX and I can not do online banking or keep track of the unauthorized charge disputes and current balances. According to recent research, the PENFED Federal Union has been slapped with a {$5.00} XXXX dollar lawsuit for XXXX harassment, physical and mental abuse, and age discrimination by a former employee. The former employee happened to be a card fraud XXXX who had once served as a senior ATM network analyst. There have been many bad reviews and complaints with PENFED with the XXXX  and XXXX reviews. At this point,

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