BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid 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:
I have a Capital One Quicksilver card that have attempted several times to increase the credit limit on. First, Capital One said I didn't qualify for a credit limit increase due to my account carrying a balance from month-to-month, and allegedly I was not making sufficient monthly payments ( despite my payments always being in excess of the minimum ). To remedy this issue, I ensured that my account did not have a carryover balance from month-to-month. I recently applied for a credit limit increase again, and this time I was told I didn't qualify because I don't keep enough of a balance on my card. 

When I tried to call a Capital One rep for an explanation, I was told that there is no one that works for Capital One that can explain further the reasons for the denials, and that my only source for additional information was Capital One 's general blog. 

I don't understand what is happening and can not get a clear answer from Capital One. This is the second Capital One card that I have had, and each time Capital One has been unwilling to consider me for credit limit increases, while only providing boiler-plate and generic denial reasons. I closed the other account because after several years with Capital One, the company would not increase my credit limit beyond a {$6900.00} limit. Now, Capital One will similarly not increase my Quicksilver card, which requires good credit to qualify for in the first place, beyond a {$3800.00} limit. I am attempting to build by credit status as a young adult, and so I routinely ask my credit card companies for credit line increases roughly ever 6 months. I have a good credit score, no delinquent balances or adverse credit information, and my income ( which I regularly update with Capital One ) relative to my expenses is more than sufficient to cover any balance for the credit card. However, I keep being denied by Capital One for general reasons. I am starting to wonder if the denials are a pretext for denying me due to my demographic status. I have spoken with friends that are White and similarly have a Quicksilver card, and they do not seem to have issues receiving periodic and substantial credit limit increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX I received a call from a debt collector who was stating they were trying to collect a debt from an old banking account from when I was XXXX. I am now XXXX XXXX XXXX. They told me if I did not settle outside of court they would file against me and I would be charged with a felony. They refused to work with me and wanted me to pay XXXX a month for 6 months. Which would be impossible for me. I can not find this company online or with the better business bureau. I do not believe this is a real debt collector. I checked the local courts around me and confirmed nothing has ever been filed against me for this matter. I called Huntington bank, where the debt was originally from, and they advised that they also do not believe this is a real debt collector and also advised they dont even have a record of me in their systems anymore. The company that called me said they were called XXXX. And their address is a virtual address. Not an actual address. The name on the contract they sent me and want me to sign is XXXX XXXX. When I asked them why I could not locate them online they said it is because Huntington bank is their customer so only they can look them up. I had to cancel my bank card as they had that information. I called legal aid and they advised me not to sign anything and to report as they also believe this to be a scam. Since telling them I will not sign anything and I want all information of the debt mailed to my home they will no longer answer or return my calls. The phone number given to me to call is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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:
This is a VERY unusual issue. In XXXX, I received a letter from Social Security that my XXXX benefits were being terminated since I was supposedly incarcerated in Massachusetts since XXXX. I found this to be a bit humorous since I retired from a law enforcement career in XXXX after 26 years of NY State service. Via telephone calls, SS cleared this up within a week but warned me that this severely impacts my credit score. I have been trying to communicate effectively with the credit bureaus but it is futile. Nobody listens.

Tonight I was told that despite having NO loans, mortgages, car payment, etc ... that my lowered rate is due to my not having enough accounts open. Why do I need unnecessary accounts when I am financially solid and have nothing but a XXXX XXXX history? Why is a financially responsible citizen being forced to open unwanted and unneeded accounts and expose myself to even more fraud? These credit bureaus are out of control.

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 2023-08-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE AND REMOVE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXXXXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2021-07-08
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Recovery Solutionsis reporting a medical debt on my personal credit report with all three major credit bureau 's ; XXXX, XXXX and XXXX as of XX/XX/XXXX via an alert through XXXX, XXXX and XXXX. I do not owe Debt Recovery Solutions money nor have I ever received medical services from Debt Recovery Solutions. Additionally I did not authorize any medical provider to violate my Hippa rights and provide my personal and medical information to a third party company. I have not signed nor consented to Debt Recovery Solutions reviewing, obtaining, reporting, or consulting on my personal and medical history. I have a signed Revocation of Authorization for XXXX to not disclose any information to Use or Disclose Health Care Information to any third party This is a violation of Health Insurance Portability & Accountability Act of XXXX and also a violation of the Fair Collection Practices Act. I, numerous times have tried to deal with this issue. Debt Recovery Solutions sent me a letter on XX/XX/XXXX for a debt they say for XXXX, On XX/XX/XXXX I sent them a certified letter, they were not able to. On XX/XX/XXXX I sent them a second letter on failure to validate and and cease certified. ON XX/XX/XXXX I received a notification from XXXX, XXXX and XXXX that Debt Recovery Solutions has noted a collection on my credit. They have violated my Consumer rights by not validated a debt, They reported a a disputed debt to the CRA and the FCRA violation - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation - Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2020-10-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There are many things wrong with this debt. 
1 - I do not owe it. I have contacted them several times saying I do not owe it, I don't know what it is but they refuse to send me any information. I have asked several times for the information but I have not received a single thing from them. How am I supposed to resolve it if I do not know what it is?? 
2 - They won't stop calling!! I have asked them several times to stop calling me but they still do, multiple times a day. I get calls during my work hours every day. I have told them I am at work and they can not call me during work hours but they still do anyways. I am getting into trouble at work because of it. 
3 - They have one debt broken up into 2 separate debts on my credit report but I don't know a single thing about either of them or how it could possibly be 2 separate debts. 

I don't understand how a company can do these things to people. Its not fair that I don't know any information about it so I don't even have the chance to resolve it. I have been trying to ask the company for over a year about it to resolve it myself before taking it to a complaint but I have not gotten anywhere. I am going to get fired from my job if they do not stop harrassing me.

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 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 talked to Transunion about the issue several times about this issue I have 11 unknown hard inquiries they told me they where going to remove the each time I called still hasnt XXXX back off my report I would like them remove permanently off of my report

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 2023-08-20
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-06-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
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 have filed a dispute in regards to the incorrect items listed on my credit report. Its been well over 45days and I still have not received any investigation results.

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 2018-05-15
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:
XXXX XXXX XXXX is reporting on my credit report as a closed/unpaid account. It was originally in the amount of {$680.00}. This entire debt of {$680.00} was pain In XX/XX/2018. However, it is a balance on the account as of today of {$110.00}. This is inaccurate because the {$680.00} was paid to the company. And the company failed to remove this debt from my credit report. The acct # as reported is XXXX in the original amount of {$680.00} which was paid.

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 2020-10-01
Company: Financial Credit Network Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2023, I reached out to Cashapp about a charge made by me. I realized the card saved on file with XXXX was reported lost and deactivated. However, I submitted and was under the impression that the charge wouldnt process and I would be able to update to pay. This old card has been inactive over 5 months. The payment processed but processed on Cashapp end on my current card. It concerned me because I didnt input the new card. I reached out to Cashapp and 15 minutes later, another charge came out without authorization. No one can tell me why. 

I am requesting this be investigated snd explained as well as be reimbursed my money. Two separate charges for {$2.00} each on XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Law Offices of Robert A. Schuerger Co., LPA
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Schuerger Law Group contacted my employer regarding a debt on XX/XX/22. 

I called and spoke with XXXX XXXX 's from Schuerger that same day. I informed XXXX XXXX 's that he was not to call me or my employer, and that the debt was past the statute of limitations. XXXX XXXX 's disconnected the call. 

I emailed Schuerger at their public email to reiterate my request that they cease contact. 

They have since persisted in their harassment by calling other coworkers at my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The inaccurate personal information listed in my report was inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureau. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Updated : XX/XX/XXXX ; XXXX Date Updated : 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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 continues to attempt to collect a debt that I do not own or have no knowledge of. They have failed to provide proof of debt, contract of such said debt and continue to pay credit bureaus to be able to report erroneous debt. I request that this false information is removed immediately. This debt was purchased from the original creditor XXXX XXXX XXXX XXXX  and states that I owe {$340.00}. I have no business dealings with XXXX XXXX XXXX XXXX  and there has been no communication from them as well stating that a mutual agreement or contract was ever had between them and I.

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 2023-09-08
Company: Block, Inc.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
It is publicised information that Square had a Nationwide ( if not Worldwide ) outage yesterday, XX/XX/2023. This outage effected my ability to manage funds automatically placed into my Square ( online ) Savings Account. I was unable to toggle the Square Savings selection to the OFF position, so that my funds, a total of {$2200.00}, would not go to into Square Online Savings, but instead, go into the batch purposed for transfer into my brick and mortar Business Checking account, as my nightly scheduled transfers usually operate. I tried phoning into Square, in order to receive assistance, but an automated greeting stated that the system was down and no one was available to take my call. I kept trying to get through from XXXX until NOW- the next morning, XXXX EST. Still can not get anyone on the line. I tried chatting with a representative online, but it was clear it was a system bot - I got nowhere. 

As a result, I could not gain access to crucial funds needed to cover business expenses, one of which was a paper check I wrote to pay my restaurant lease. Consequently, that paper check did not clear my Business Checking account ( {$1900.00} ), and I've been charged a fee from my bank. I fully expect to be charged a fee from my landlord, since the check was returned NSF. I was also charged three {$37.00} fees for three other items. 

Worse, there is a standard 24 hour delay between the request for funds from the Square Savings Online Account, and disbursement. Although the system is now up, I can not get the funds into my account until Monday, because today is Friday, and funds are not disbursed over the weekend. 

To add insult to injury, I also did not receive the end-of-night transfer of {$130.00} that was supposed to be automatically transferred to my Business Account at the end of night. As of this morning, that balance is pending.

I pay a fee to have my money transferred nightly ; I pay a fee for each card transaction ; I pay a fee to subscribe to additional Square functions .... But to not be able to speak to someone when there's an emergency tells me it's time to find another processor. 

I am posting this so that a ). others will learn from my mistakes and b ). a Square representative might see this and take steps to reimburse the fees that ensued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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/2020 I sent out letters and havent had a response yet I wont these items remove

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