BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX around XXXX in the morning, I went to a Capital One ATM located at XXXX XXXX XXXX XXXX in XXXX, Virginia to make a cash deposit of {$1000.00}. As usual, I inserted my bank card and deposited XXXX ( {$100.00} ) dollar bills to the machine. The machine sounded like it normally does when you deposit cash to the ATM machine. This time, however, the machine was taking much longer than usual and for about 5 minutes I continued to wait in hopes that I would be able to receive a deposit slip. After 5 minutes, the screen went black and did not receive any confirmation nor my bank card back. Immediately I was concerned and went inside to speak with someone in the bank. 
I was informed by a bank teller that they do not have a key to that ATM and was instructed to submit a claim. My claim ( # XXXX ) for my account ending in XXXX was submitted. 

Over a month later on XX/XX/XXXX, I received an email reply stating that my claims has been denied. Their reasoning is that their review of ATM systems do not show a record of a deposit into your account at the ATM terminal. 

This is completely unacceptable and I'm very concerned and upset about this matter for the following reasons : 1- My money was inserted into the machine so how could {$1000.00} dollars NOT be accounted for? 
2- Not only does the ATM stole my money, but it also stole my bank card 3- They should have camera surveillance of me inserting money into the machine 4- They are adamant about helping their customers with fraud, however, they are the ones robbing me of the {$1000.00}! 

Please, I urge you to help me in getting my {$1000.00} and bank card back. There should be no reason why they are not able to locate my money in the machine. 

Thank you so much for your help and please let me know if there is anything else that I can provide to get this matter resolved. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Company : Bank of America Credit Card : BankAmericard Description of Problem : Stolen card so closed account on XX/XX/2019 - paid off balance. New charges came through after that date - paid those. Continued to get bills for a few dollars of interest charges from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX - called to pay {$10.00} via computer which was the entire statement balance. Remained on the phone for a representative to ensure that I would not be getting an XX/XX/XXXX statement. Was told that despite paying what their computer said was the entire balance, I would actually still owe them {$0.00} however they could not bill for anything less than {$1.00}. The first agent suggested that I just sent them {$5.00} to make sure that I did not get another bill. I asked for a supervisor but was told that no one was in the supervisory department so I was transferred to stolen cards ( the issue in XX/XX/2019 ) in Tennessee. She tried to remove the charge of {$0.00} but was unable. Transferred me to West Virginia after one hour and thirty minutes on the telephone in which I tried to make sure that I had paid them all I owed and they would not send me another bill. This agent claimed to have taken the fees from XX/XX/XXXX to XX/XX/XXXX off the card so I would not get a bill in XX/XX/XXXX.  Still waiting to see what will happen. 

Issue : The BankAmericard issued by Bank of America is systematically overcharging customers as you can not pay the balance via computer either by phone or online to pay the full balance. They will continue to charge a few cents of interest from the time the computer charge is updated for the next bill and then will bill no less than {$1.00}. It is impossible to cancel the card, pay them off and move on with your life without constant follow up bills for {$1.00} per month indefinitely.

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 monetary relief
Consumer complaint received 2021-08-18
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX - purchased a mattress using promotional 12 months no interest. From XX/XX/XXXX to XX/XX/XXXX, I made additional payments XX/XX/XXXX times, ranging from {$5.00} to {$180.00} over the minimums due. Since I do paperless, I assume the additional was being applied to the promotional balance. On XX/XX/XXXX I notice that promotional balance was {$540.00}, so I went and download all statement for the promotional period. From XX/XX/XXXX to XX/XX/XXXX none of the additional was applied to my promotional. Only the XX/XX/XXXX and XX/XX/XXXX additional amounts were applied XXXX see below ). 

On XX/XX/XXXX I called and the first rep XXXX XXXX XXXX   said that " online system payment there is no way to indicate additional amount should be applied to promotional, that the customer needs to let them now to apply it. '' Nowhere on the website, statement or policy does it state that I have to inform billing that the additional payment should go to promotional balance. 

After 2 more calls, I was able to get a supervisor to apply the additional payment to the promotional balance, but only for the past 6 months. I had to pay {$270.00} instead of {$100.00} to avoid been charged {$220.00} in deferred interest. 

Citibank needs to automatically apply additional payments to the promotional balance and not require the consumer to have to contact customer service to do so. 

due paid over statement XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX applied promotional balance XXXX XX/XX/XXXX XXXX XXXX XXXX applied promotional balance 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 2023-11-13
Company: Experian Information Solutions Inc.
State: OK
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:
From XX/XX/2022 to XX/XX/2022 there have been several hard inquiries made on my XXXX, XXXX and Experian credit reports that I did not authorize. I do not know or have any business or any agreements with the companies listed. I am exercising my authority to dispute the inaccuracies on all three credit reporting agencies per 15 U.S. Code 1679c. This can be considered a defamation of character and possible identity theft. I request that they be removed immediately.

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 2019-09-16
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.

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 2020-02-16
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I buy a phone for {$900.00} from XXXX XXXX  XXXX XXXX I had paid it down to {$400.00} this phone came out in XX/XX/2014 I buy it in. 
XX/XX/2014 they are asking me to pay {$1000.00} I would like this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Mercedes Benz Financial Services
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My dispute has not been resolved. No one is looking into the way the payments were applied or allocated. Instead they are only validating that I recent a default letter. 

As of XX/XX/2022, my account was completely current. The payment history shows that my account was not even 30 days late. Theres also late fees that were removed as a courtesy that has been applied to the account as well an mysterious insurance rebate termination. I will resume consulting with an attorney at this point. 

As representative from the redemptions department by the name of XXXX reviewed my account with me. We were on the phone over 2 hours. She saw something on the account that raised a concern. XXXX as well as a team lead reviewed the account together and both were in agreement that something has went wrong! I was told that the account department would be notified as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ( FCRA ), Account Name : XXXX XXXXXXXXXXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account. 

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXXXXXX XXXX account and a written response outlining the actions taken to resolve this issue.

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 2023-10-12
Company: Block, Inc.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received a Square debit card ( issued by XXXX Bank, through XXXX ) in the mail today XX/XX/2023 - it's a definite ready-to-use-upon-activation card with a chip. 
I have no financial relationship and have NEVER signed up for any sort of banking product ( checking, savings, etc ) with this company and was immediately concerned about identity theft. I have also never signed up ( to the best of my knowledge ) to receive information about their products ( which this was NOT information about a product. This was an actual chipped debit card, ready to use as soon as I scan the XXXX activation code ). 

I did find that I somehow have an online account with them using my personal email address ( which I don't ever remember signing up for, possibly the company received my email for sending receipts for paid services? ). I had to use the " forgot password '' to gain access ( because I never made an account in the first place... ) and discovered that I do not have any active banking with Square. 

I find this INCREDIBLY concerning because I believed myself to be a victim of identity theft since I have not opened any new banking accounts. As it turns out ( from a XXXX search into whether or not others have received unsolicited debit cards from this company ), this HAS happened to other people and they were similarly confused and concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from the company CMRE Financial Services stating that I owed there company. Over the past couple of days I have paid ever balance owed to the original company which is XXXX   XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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'm sending in this message because as I am going over my credit report, I've noticed that over a year ago that I had a lot of weird inquires from multiple financial institutes and agencies that I am not aware of. Some that I noticed were on XXXX credit report but not on others and they happened over a span of a month, which is very alarming. It was brought to my attention when I went to go purchase a vehicle back in XXXX of XXXX and they told me that you have a bunch of random inquiries that brought my XXXX XXXX down. It alarmed me because I only have been working with XXXX place and they didn't request all of these inquiries, so I did some research and called around. Some of the places didn't know who I was when I asked and some places said that they pulled up my info but don't have any identification as if I was trying to get a car, which didn't help me at all trying to remove them after I asked. This caused me to put a freeze on all of my credit bureaus for some time as I am trying to make sure everything is accurate with my credit reports. 

At this point, all i am asking is for these fraudulent credit inquiries to be removed from my credit report as I am not responsible for of these inquiries and I've tried to reach out to the agencies to get them removed and explained that they aren't mine. I am going to be listing all XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the reports and fraudulent inquiries. 

Experian : XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these credit inquiries XXXX I didnt apply for any of these loan services or financial institutions.

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 2023-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
After reviewing my credit report, I noticed that there are multiple errors when it comes to my personal information. And I need all of this fixed immediately. 

My only name is : XXXX XXXX XXXX My date of birth is : XX/XX/1984 My Social Security number is : XXXX My only address is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX My only phone number is : ( XXXX ) XXXX Any personal information other than the information listed above is inaccurate, fraudulent, and I do not recognize it. Therefore, I want the personal information listed above to be the only personal information that appears on my credit 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 2023-05-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A " Macy 's Anerican Express card '' statement for XX/XX/XXXX was never received. The XXXX statement incuded late fees and interest charges. After calling account service number ( For some reason its actually Citibank, NA that services the account ) the operator # XXXX gave a me a very difficult time and although he did reverse the charges on the XXXX statement I asked that the account be closed since they were very difficult and hard to reach. I then got another statement ( XX/XX/XXXX ) that although there was a XXXX balance form the month before- they added {$7.00} of interest. When I tried to call again - I was routed to " Probate dept. "! Upon finally getting someone to answer - I was told that the account was closed as the operator above reported that the account was closed because I was DEAD- with absolutely NO report given to them to justify this action and was clearly done by the operator as vengeful punishment because of the argument we had in XXXX. They refused to reverse the XXXX interest charge because of being " DEAD ''! Clearly, she realized after asking me a ton of follow-up questions that I wasn't dead at all but again refused to reverse that charge. To keep my credit rating ( Over XXXX ) she said I would have to PAY the charge and call after they reversed their error reporting me DEAD. They finally sent a letter XX/XX/XXXX " correcting '' my report but now when I try to call no one answers and I'm automatically disconnected. 
I want them to reverse the {$7.00} XXXX interest charge and have it returned to me in a check since the account is closed.

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 monetary relief
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: LA
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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