BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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, These Creditors : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX... VIOLATED my rights under 15 U.S.C 1681 Sections 602 States, I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, It also states a consumer reporting agency can not furnish an account without MY PERMISSION/Written Instructions. Under 15 U.S.C 1666B, A Creditor May NOT treat a payment on a credit card account under an open and consumer credit plan as late for ANY purpose!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I wrote to you about Midland Credit and instead of making a written payment plan or agreeing to my previous letter. They responded by stating to call. I now have called 4 times. The last time I was on hold for nearly an hour with no one answering and each time I have called I have been on hold for 30 minutes or longer. I need help getting this company to comply by sending me a letter of resolution with a payment plan on both accounts or the agreement that I sent them in writing. Is there another agency that this can be elevated to. The behavior is deceptive by asking me to call and no one answering all week. Please let me know my options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This involves Paypal. They are insistant I have an account with them and I DO NOT. They will not leave me alone, keep sending me documents that I have no idea what they are. Please, I want them to leave me alone and investigate themselves as I feel someone has used my information for their purpose. I do not have an account or account number for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Winklevoss Exchange LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have deposited and created an account with Gemini. It's been about two weeks and they are still pending verification. Not allowed to remove money or do anything with it until pending. Have sent two emails asking but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX FORMERLY XXXX XXXX Balance {$21000.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.

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 2021-05-14
Company: TransferWise Ltd
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I completed a transaction through Transfer Wise using a credit card. Transfer Wise charged a fee to use the credit card however, they failed to disclose that the transaction would be considered a " cash withdrawal '' by my credit card company and therefore subject to fees other than a regular consumer purchase transaction. My credit card company, XXXX XXXX, charged a flat fee of {$20.00} for the {$160.00} Transfer Wise transaction, plus a minimum interest fee that applies for just the cash portion for two months in a row at a near 30 % interest rate. So in addition to the Transfer Wise fee, with the credit card cash fee plus two months of mandatory interest ( despite the fact that I pay off my credit card in full every two weeks ), I was charged over $ 30 % for the Transfer Wise amount of {$160.00}. Consumers need to be aware ahead of time so that they are informed of the potential consequences of using a credit card for these transactions. Transfer Wise, and other similar companies, should be required to warn consumers that transactions using a credit card are considered " cash withdrawals '' and subject to fees as appropriated by credit card companies when making a cash withdrawal. Also, that cash withdrawals may be subject to higher interest fees and high withdrawal charges for the transaction. 

I was unsuccessful to have the charges reversed by my credit card company. I wrote to Transfer Wise to let them know that they should be informing consumers of these issues but did not receive a response. This is where your organization can be of help to consumers, by intervening and requiring the organizations to provide full disclosure regarding fees for these transactions. The companies are otherwise taking advantage of consumers charging outrageous fees and interest for very little amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This investigation process has not been completed. I am currently still waiting for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Monterey Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
About a year ago I received a letter saying that I had to go to court over a medical debt through Monterey Financial that I hadn't been able to pay in some time. I called the number and asked to make a deal to pay {$500.00} on the XXXX of each month and they agreed. The money started coming out on time. I needed to get a new card after having the number stolen and used all over the country. I had never received any communication from the people taking my money so I had no way to contact them. When the card was declined someone claiming to be, " XXXX XXXX, a compliance XXXX with the state of Virginia '' contacted me by phone and told me I was in non-compliance, and gave me a phone number to call. I called and corrected the card number, however no company name was ever given and they hung up abruptly. The money continued coming out as scheduled with the name " XXXX XXXX '' appearing on my statement with the number XXXX NC appearing after it. In XX/XX/XXXX I started trying to figure out who this company was and, after searching online, started seeing that it could be a scam. I contacted a law firm and they asked me to tell them the next time someone contacted me. I called the number coming up in my search for XXXX XXXX. It came up with a company who said they no longer had my account and gave me a different number. I called that number and they said they had never heard of me. I called the number on the statement and they gave me a different number where they were able to confirm the account, and how much I had left to pay. They said they did not send statements or any mail or email and would not. On XX/XX/XXXX I came up a couple dollars short so the card was declined. XXXX XXXX called me again, reminding me that I had spoken with him before. He gave me the number XXXX to call. I asked him the name of the company and he refused to tell me and said they would tell me. I called and someone answered saying, " This is XXXX. '' or a similar name. I said I had been given the number to call to correct an account. She took my name and we corrected the issue. I asked her what company this was and she said it was about the debt I had with the company. I said I understood but I needed to know the name of the company I was speaking with and she said, " XXXX. '' I reported the number and information to the lawyer who said it was connected to a spam number and I should contact the state 's attorney general.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Kikoff Inc.
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNTS ON MY CREDIT REPORT ACCOUNT NAME- KIKOFF LENDING LLC ACCOUNT # - XXXX Balance- {$16.00} Balance updatedXXXX XXXX, XXXX Credit limit- {$500.00} Open/closed-Closed Date opened-XXXX XXXX, XXXX Account type-Charge Card STATUS-Account charged off. {$16.00} written off. {$12.00} past due as of XX/XX/XXXX. 
Status updated-XXXX XXXX Past due amount- {$12.00} Highest balance- XXXX XXXX Monthly payment -- Last payment date-XXXX XXXX, XXXX INCOMPLETE ACCOUNT 3 IS GROUNDS FOR REMOVAL AND DELETION OF THIS ACCOUNT Contact info Address XXXX XXXX XXXX XXXX, NV XXXX Phone numberXXXX XXXX XXXX 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXXXXXX On XX/XX/2022 I received a notification that someone applied for an account in my name and identity. However, it was not me. Upon this notification from XXXX I immediately filed a police report. I have also called XXXX XXXX to have the hard inquiry removed from the Credit report and the hard inquiry has not been removed going on two months now. Requesting for the hard inquiry to be removed from my credit reports.

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 2022-03-31
Company: Experian Information Solutions Inc.
State: OH
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 following company & accounts have violated my rights ; XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX 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

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 2022-03-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy XXXX XXXX XXXX XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX I mailed out my dispute letters which disputed inaccurate accounts on my consumer report that were actually included on my FTC identity theft report. It has been just about 90 days from submitting my dispute and I have not received any response to my letters. Therefore, I submitted a complaint on XXXX and got a response stating that I needed to call to give the company my authorization to continue with the complaint. I gave them a call to give them my authorization to continue with the complaint. XXXX accepted my authorization and said they would continue with the complaint and I have not received a response yet. Experian said they didn't see that I had a complaint until I told them my complaint number. After refusing to acknowledge my complaint they said someone may or may not continue with my complaint. I am extremely distressed at how they are handling this and infringing on my consumer rights. I am submitting this complaint to make sure they abide by the law and delete and remove these inaccurate accounts. IT HAS BEEN 90 DAYS AND I STILL HAVE NO RESPONSE.

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 2023-12-14
Company: Klarna AB
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I made an XXXX purchase months ago ( XX/XX/XXXX ) and chose Klarna for repayment with payment to be automatically deducted. The autopayment worked well for a few months until my debit card number was stolen and I tried to update the number with Klarna 's system. I made numerous attempts to update the info or pay it in full but was unable to do so because they were having a system-wide issue with certain email addresses, mine included. When I called they stated that they were aware of the problem and would contact me once the issue was sorted and I could then either update the debit card on file or make a payment in full. I never received any correspondence from them but made many attempts and spent hours to check in and handle the issue. Each time I was told the same thing, that they would contact me once I would be able to login again. I was repeatedly assured that I would not incur a late fee or sent to collections. More time went by and then I started receiving emails and calls from XXXX XXXX a collection agency that Klarna sent me to. I addressed this again with Klarna and they stated that a supervisor would reach out to me. None of this ever happened. I was finally able to update my email and log in on XX/XX/XXXX but they would not accept my direct payment. It's insane that they can function this way with little to no customer service options and then able to damage my credit by their ineptitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX  2015-XXXX 2015 emails and in person visits to the local branch. 
I had a vehicle loan with Wells Fargo and I would be charged random fees which wouldnt be paid bc I made my car payment and no extra so those fees accumulated for fee and late fees that I was not notified about until I was threatened with a repo over a nominal amount. During this time I had to have a checking/savings account open to be able to have an auto loan so the bank would attempt to pull from that account as well again not having the correct funding it would decline and again with the fees. Due to having to finance the vehicle loan I opted in for XXXX insurance with this bank as well bc it was required and offered at a cheaper rate than the dealership, when it came time to trade my car in I was unable to get my partial XXXX  back.

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 2023-04-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2023, I called Chase customer service to inquire about my Chase United credit card. I mentioned I wanted to close the account because I lost my job, had a decrease in my monthly income, and the increase in interest made it impossible to keep up. Id pay the balance down and it goes right back over the credit limit within 2 months as if I didnt pay anything. Im paying hundreds monthly now just to not get anywhere. The rep on the phone immediately denied me and said I cant close the card for reasons of high interest. He said he could help me if the reason was losing your source of income but to avoid high interest, I cant. I then inquired if I could establish a payment plan and I was also told I dont qualify to close my account and pay the balance in installments. Now, Im asking for help to close the card and cancel the debt because it was unfair to deny me, twice, when trying to catch up on the account and pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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 sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over XXXX  days. These consumer reporting agencies are in violation. 
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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 reached out to all bureaus concerning unverified items on my report and had no response. I have attached the certified letter receipt to this complaint. Here are the tiems i want removed : 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 explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 and TransUnion have failed to remove fraudulent accounts from my consumer reports.

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 2023-06-20
Company: Genesis FS Card Services, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have called and sent letters stating this was fraud, they even had a different mailing address, after I gave them my information with mailing address that Ive had over 30 years, they are sending the bill to me

Company response to consumer: Closed with explanation