BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 previously filed complaint XXXX on the fact that Capital One had incorrectly attempted to use a XXXX XXXX  XXXX Account XXXX which I no longer have and have not had for several years ) to pay my Capital One XXXX XXXX XXXX Following the original complaint, Capital one unrestricted my venture card account. However, during this time they also froze my XXXX account ( ending in XXXX ). When I called in after the my venture card was unfrozen the bank told me it would be 3 or 4 days and then the XXXX would be opened. That was several weeks ago and when I called in today, the fraud team said I needed to provide the same documentation that had been requested for my XXXX XXXX  ( which I never provided as I don't have the account ). The fraud team that I was directed to has been rude and unhelpful. They don't even try to resolve these issues. It is ridiculous that the bank is allowed to treat its customers in this manner. I request that my XXXX ( which is fully paid and has had no issues ) be unrestricted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: EdFinancial Services
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am taking action against the US Department of Education on an acct ending in XXXX and an acct ending in XXXX for incorrect information reported to my credit report since XX/XX/2019. Despite several attempts to dispute this since then, I have yet to receive any resolution. This has caused me to suffer financially, as I have been denied credit, charged a higher interest rate, and prevented from buying a home. I have also attempted to dispute this with the three major credit bureaus, XXXX, XXXX, and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: FISERV INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have a Money Network debit card through my company, XXXX XXXX. On XX/XX/XXXX, I transferred {$450.00} to my fiance 's XXXX XXXX XXXX account as I have done many times over the year. I put the money into his account so I can send my landlord an e-check to pay our rent as this saves me a {$15.00} fee, as opposed to using my debit card to pay it. This time, by XX/XX/XXXX, it still hadn't arrived there, so I called the number on the back of the card, ended up at a call center in XXXX. I explained the situation to her, that this was my rent money that was missing, she said there was nothing they could do and that I should call another day. I called on XXXX, then again on the XXXX, XXXX, XXXX, the last call being on the XXXX. At XXXX point they said they were sending this to 'research ' to look into what happened. I've spoken to call center personnel, supervisors, and a manager. On XXXX, the manager told me that I would have to file a dispute, that she would send me the forms in the mail for me to fill out and send back. I begged her to email them to the email address they had on file for me on my account but she refused. They FINALLY arrived late on the evening of XX/XX/XXXX, as I was on my way to work, I filled them out there and sent them back on XX/XX/XXXX. The day the forms came in, I also received a letter dated XXXX, it said that they had completed an investigation of the 'dispute ' on my card and had determined that 'no error occurred ' and that the dispute claim had been closed! If there was no error, then where is my money??? The dispute form I received that night also said that it could take up to a total of 90 days for this to be resolved. I spoke to XXXX XXXX XXXXXXXX on XXXX, and they do not have the money. Because of this mess, I ended up paying my rent late, they charged me a {$50.00} late fee..Money Network also charged me a {$3.00} transfer fee for money that never arrived at its destination. Because of Covid, I have only worked sporadically, I work as a Security Officer in XXXX, and the shows I get scheduled for keep getting cancelled. That {$450.00} is going to be a problem again for me at the end of this month because rent is due and XXXX XXXX  XXXX check has already been spent because he had to cover the {$570.00} rent payment, so some bills that need to be paid had to be put off or allowed to lapse, like cable, cell phones, auto insurance, and his special dietary considerations due to having XXXX XXXX XXXX on XX/XX/XXXX. Please help me! Thank you for your time.

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 2023-10-30
Company: JPMORGAN CHASE & CO.
State: TX
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:
I purchased virtual items on XXXX but within two months, XXXX was shut down, making me unable to use it. I contacted the credit card company to request a dispute on all purchases made on XXXX but the credit card company refused to allow me to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2020-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
for Bank has failed to provide any documentation or evidence that confirms that I made any charges they are claiming, no receipts no dates of purchases no POS info and no evidence linking me to the charges

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 2023-10-07
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
To Whom It May Concern, I am writing to request a reconsideration of my recent denial for a credit limit increase on my American Express card account. I want to reiterate my strong track record of responsible financial behavior, including consistent on-time payments and a proactive approach to resolving issues promptly. 

I recently made a significant payment of {$860.00}, clearly demonstrating my commitment to reducing outstanding balances swiftly. I kindly urge you to reflect this payment on my credit report, as it accurately represents my current financial standing. I understand the importance of an accurate credit history and believe that this update would reflect my responsible financial conduct more accurately. 

Despite a past incident involving an ACH payment failure, which I promptly rectified, I have taken proactive measures to ensure the stability of my payment methods. I am fully committed to maintaining a reliable payment system to prevent any future issues in this regard. 

Furthermore, I am enthusiastic about expanding my membership with American Express through a charge card. I look forward to the opportunity to demonstrate my financial responsibility on a broader scale. Please consider this as an indication of my commitment to responsible credit management. 

I kindly request that you review my application again, taking into account my responsible financial conduct and my recent efforts to resolve any concerns. Granting this credit limit increase and reflecting my recent payment on my credit report would not only benefit me but also enhance my relationship with American Express. 

I am eager to continue being a responsible and valued member of American Express, and I am hopeful that you will reconsider my request promptly. I kindly request to be contacted as soon as possible regarding the status of my application. 

Thank you for your understanding and consideration. 


Valued XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I wrote to the credit bureaus ( Experian, XXXX XXXX XXXX ) requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from either of them or any acknowledgement that an investigation has begun. 
I have attached proof of delivery from the postal office.

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 2021-12-27
Company: Granite Edvance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have student loans and tuition fees being charged to my credit from XXXX XXXX XXXX college and I have never attended the establishment. There is a man on my credit report by the name of XXXX XXXX and I do not know who he is and he is using my social security number. XXXX XXXX  and granite state many. Please remove these as they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: TX
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 kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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:
I would like all Hard inquiries to be removed from my credit report. Unauthorized inquiries according to the F.C.R.A ( Fair Credit Report Act ) legally this items must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX  XXXX XXXX BALANCE : {$1800.00} XXXX XXXX XXXX XXXX BALANCE : {$440.00} violated 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 which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted XXXX and XXXX in regards to a debt that appears on my credit report. I was then informed that the debt originated from XXXX XXXX XXXX and it was the result of a unpaid balance of {$230.00} back in XX/XX/XXXX. I informed the representative that I never been insured with XXXX  XXXX  and was unaware on how a vehicle can be insured under my name with them and that I believe I am a victim of identity theft. The representative proceeded to inform me that they have several different accounts under my name registered to a XXXX XXXX XXXX and a XXXX XXXX XXXX amounting to another {$910.00}. She additionally provided me with the billing addresses on the claim. I reassured the representative that I never owned such vehicles, never lived at such addresses and the only car I've ever owned is a XXXX XXXX XXXX. I asked the agent to provide me with further information such as the VIN numbers to the vehicles in question and was told they didn't have any further information on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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: Information belongs to someone else

Complaint:
Equifax, Please see attached - I was a victim of identity theft and fraud - and need my report fixed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed for an online remote job. Scammers had me transfer {$4000.00} through PayPal and then redacted the money they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, North Carolina XXXX Phone : ( XXXX ) XXXX XX/XX/2023 To Whom It May Concern, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. I have no supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

The amount ( s ) owed are no longer outstanding for the following items : Name of the Account : XXXX XXXX  Account number as is presented : XXXX Amount : {$790.00} Name of the Account : XXXX XXXX Account number as is presented : XXXX Amount : {$530.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$82.00} Name of the Account : XXXX XXXX XXXX XXXX  Account number as is presented : XXXX Amount : {$1000.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$790.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$300.00} I am disputing this claim due to whom this may concern, I am writing to dispute my recent credit report. I am not sure how my personal information ended up on the report, but I do not recognize any of the information listed. I have never done anything illegal, and I am not in any financial trouble.

I request that you remove my personal information from the report and update it to reflect my current information. I would also like to be notified of any changes to my credit score because of this dispute. 


This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 

Sincerely, 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 explanation
Consumer complaint received 2021-12-03
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for and was granted a PayPal credit card. I sought the card because the PayPal credit card website promised 2 % cash back on all PayPal purchased when using the PayPal credit card. I proceeded to try to use the credit card when making PayPal purchases. PayPal lists " PayPal credit '' as option for a method of payment. I assumed that " PayPal credit '' was the same as the PayPal mastercard credit card, so I used the PayPal credit option to make about {$1000.00} in purchases, expecting to receive 2 % cash back on those purchases. When I did not see the 2 % reflected in my account, I reached out to PayPal. The automated assistant told me there were no such rewards. It took multiple rounds of my trying to communicate with PayPal and my reviewing the letter I'd received in the mail from PayPal mastercard which included my physical PayPal mastercard credit card before I figured out that PayPal credit and the PayPal mastercard credit card are two completely different entities. Worse, PayPal would not let me add the PayPal mastercard credit card to my wallet, making paying for PayPal purchases with my PayPal mastercard credit card impossible, thereby making it impossible to earn the advertised 2 % cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: LEXISNEXIS
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have requested a copy of my Consumer Disclosure Report and a Description of Procedure Letter. The reason this information was requested is because LexisNexis has information on my consumer file that does not belong to me, outdated information that should no-longer be in my file, and this information is causing harm. Even when I request the information directly from LexisNexis, the request is being denied as they are unable to authenticate my identity and therefore can not process my request. 

If I never done business with this company what information doesn't match up to what they have? If they are basing things directly from CRA 's, what information would not match up to what they have? this is a way for them not to provide me with the requested information so that they can continue to keep the negative information in my file, and sale this information to insurance companies, banks, and other institutions that would either deny me credit and or charge me higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation