BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: IA
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:
Several accounts on my credit report that dont belong to me I have replaced my ID, and also disputed these transactions with the companies. If it is not resolved I will be filing a police report. The accounts are not mine and need to be removed are listed below with balances. XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX balance : XXXX, XXXX XXXX XX/XX/XXXX balance : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Internal Check Systems, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
On the date of XX/XX/XXXX. My XXXX XXXX XXXX was broken into between the hours on XXXX XXXX. I approached my vehicle to start it up before heading to work and noticed that my drivers side window was busted. I opened the door to see the inside of the vehicle destroyed as well as items missing from the vehicle. Items missing including my wallet. Contents in the wallet contained ( XXXX and XXXX XXXX XXXX Debit cards, XXXX XXXX card, Social security card and {$50.00} cash ) .. Other items missing from the vehicle were my reading glasses and 2 pairs of shoes et ... when i initially filed the police report the officer gave me incorrect case number. My insurance took care of the damages so i didn't keep pursing the investigation. Later I discovered that someone used my information fraudulently at XXXX XXXX XXXX. Ever since then, I have not been able to get a bank account. This is Really hurting the process of me getting and starting my business.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-31
Company: Bread Financial Holdings, Inc.
State: NY
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:
In XX/XX/2019 I took advantage of a 0 % promotional balance transfer offer from XXXX XXXX   However, every month I have been charged the minimum finance charge of {$2.00}, even though no other purchases have been made. 

I have contacted the company several times without an adequate explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2019 a hard inquiry was done without my authorization. The company shows up as XXXX/ XXXX  . It happened in XXXX, Florida. I saw this on the report provided by transunion.

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 2019-02-19
Company: Experian Information Solutions 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:
I got with a New Inquiry from XXXX XXXX XXXX on XX/XX/ 2018 from Experian. I noticed this through XXXX XXXX on my XXXX XXXX online account. Around XXXX I called up both companies about this fraud situation and both said they would remove it. I than had called a second a third time. I want to say XXXX XXXX day last time I spoke to with both companies and both would assure me would come off in 7-14 business days. Nothing has ever come off.

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 2021-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
CAPITAL ONE IS REFUSING TO RETURN MY SAVINGS! I received a letter from " XXXX, On behalf of Capital One '' asking I sign an affidavit. However, XXXX failed to include the necessary check numbers and dates of checks which he claims were sent to me, and I never received. I called XXXX XXXX XXXX ext. XXXX XXXX several times, and he is REFUSING to return my calls. When I spoke with an agent from the CAPITAL ONE back in XX/XX/2021, I was told they could not give me any information regarding the first check and the re-issued check. The agent added that a second check was never issued. CAPITAL ONE IS ASKING ME TO FILL OUT THEIR FALLS AFFIDAVIT CLAIMING I RECEIVED THE CHECKS AND LOST THEM. I HAVE NEVER RECEIVED THE CHECKS IN QUESTION! CAPITAL ONE IS WITHHOLDING MY SAVINGS TO THEIR BENEFIT AND NOT MINE! A Notary will not notarize an incomplete form XXXX blank check number and dates of checks XXXX. Since XXXX is refusing to speak with me, I completed my own affidavit. I had it notarized and sent on XX/XX/2021 via fax at XXXX XXXX receipt # XXXX from XXXX at a cost of {$6.00} XXXX. I AM IN MY XXXX 'S. I AM A XXXX GRANDMOTHER. I AM FEMALE. I HAVE MY HEALTH NEEDS TO TAKE CARE OF AND NEED MY MONEY BACK ASAP! I SUSPECT CAPITAL ONE IS DOING THE SAVE TO MANY! Why are banks being allowed to take advantage of people? I NO LONGER TRUST CAPITAL ONE ; THEREFORE, I HAVE WITHDRAWN MY MONEY FROM THEIR BRANCH! CFPB, you are part of the problem since you closed my original complaint before the issue was resolved. WHAT CAPITAL ONE IS DOING TO ME AND THE SUFFERING THEY ARE CAUSING ME SHOULD NOT HAPPEN TO ANYONE! On behalf of consumers and citizens I ask for everyone involved with the banking industry, their regulation and their laws to DO YOUR JOB JUSTLY IN ORDER THAT YOU XXXX NOT LOSE THE TRUST OF THE PEOPLE YOU SERVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Experian Information Solutions 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:
I have been attempting to remove negative accounts for 1 year from my credit report. I am beyond disgusted at this point. I sent information to the credit bureaus about an unjust filing of bankruptcy including accounts. They responded with " Verified '' and to my understanding they listed XXXX XXXX as the date provider. I reached out to XXXX XXXX to investigate and they responded that they could not locate any information in reference to a bankruptcy from their company. I reached back out to XXXX, Experian and XXXX with the information that XXXX XXXX mailed me. The subsequently deleted their information because there was not evidence. XXXX, Experian and XXXX are still reporting the derogatory information on my credit report. It literrally has been 12 months since I began attempting have this inaccurate information removed. PLEASE HELP! The problematic accounts are as follows : Bankruptcy listed on all 3 credit reports. The accounts listed under the bankruptcy as well : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and 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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
as previously notified I am a victim of identity theft

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 2023-04-04
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Each and every month I receive social security payments and my pension payments direct deposit with Wells Fargo Banks. Who has been having problem with funds being withdrawing from my Debit Visa Card that I didn't unauthorized each and every month from my checking account. My Wells Fargo Debit Visa Card has been replace three time as being fraud victim. Which doesn't make sense. Last month my Wells Fargo Debit XXXX XXXX XXXX XXXX replace with second Wells Fargo Debit XXXX XXXX XXXX XXXX. This second Wells Fargo Debit Card has been replace again as me being fraud victim again.

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 2022-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone stole my identity and add there name to my account with bank of america and steal my money.

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 2021-03-30
Company: Lending Club Corp
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Refinanced all credit cards and the loan from Lending Club. I have called them 7 times and I was told a XXXX  would get back to me. I have also sent numerous e-mails, with no resolution. Its is my understanding they have had the check over a week. It had the appropriate account number but did not reflect my name. The check came from XXXX for {$19000.00}. The exact amount left on my account. 

They asked for a copy of the cancelled check. They claim they could not post to my account, until this was received. I sent the Tiltotal letter along with the check number. XXXX advised me this should be more than enough to have the amount credited to my account. 

I am approaching my next payment date. I truly feel they are dragging this out. Just want the check applied to my account and to be done with this crazy situation. Each time I asked for a XXXX  possible 3-4 times I was told that none were available. 

No responding e-mails and -0- phone calls, returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by phone to call a debt collector or future legal action would be taken. I called them but they refused to notify my in writing about this debt such as amount owed. I also disputed the debt with them. They are refusing to contact me in wiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called Capital One in XXXX after I noticed my savings account had been closed. I was told I had exceeded the amount of withdrawals on this account, and Capital One chose to close it. The bank has no copies of its correspondence with me about this matter. I sign up for customer alerts and have received other secure messages about this account. Had they contacted me through the portal and given me an alert that this account was going to be closed, I would have been able to stop the withdrawals : It was an honest mistake where this account was linked to my XXXX account, and when my CC expired, this became the default payment for many small payments, like to XXXX or XXXX. 

It was closed in XXXX, which is the same month where I moved from XXXX  to XXXX. I never received such correspondence and have never received the check they were supposed to write to me to a new address. I asked Capital One to send me documentation and copies of their correspondence to me, and this is all they could provide : Regretfully, we are unable to obtain copies of these specific communications that would have been sent to you. However, we were able to confirm where these communications were sent to and when they were sent. All excessive withdrawal and account closure communication ( s ) were sent to the address we have on file. Communication regarding each excessive withdrawal was sent around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Subsequently, the account closure letter was sent around XX/XX/XXXX. 


** Capital One boasts about its user-friendly experience and use of technology. If it can't even provide its customers with consistent and accurate electronic communications, I think it needs to reevaluate how it serves customers and how it positions itself in the market. 

I have provided a Capital One Customer Service Manager with an updated address. I was not allowed to change it on the portal since they closed my account and I am no longer a customer. I am hoping they will retrieve that information and send me my check from my account closure soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This car was totaled in hurricane Irma XX/XX/XXXX it was completely paid off my insurance and gap insurance / XXXX paid immediately for their portion while gap took longer while dealing with a large amount of hurricane claims the lender marked me late sporadically even though the car was paid and out of my possession as of XX/XX/XXXX I was marked late in XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I went to XXXX XXXX XXXX to shop for an XXXX. As I was getting ready to pick the one I  wanted I sat with my sales man, He told me I had to get my credit pulled to see if I was able to finance the XXXX. We took a look at my credit report and the items listed on my report do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Experian Information Solutions Inc.
State: HI
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:
I tried to call to correct the address that XXXX XXXX XXXX XXXX is reporting and they were very unclear stating they couldn't change the incorrect information because the account is closed ... Also XXXX XXXX XXXX XXXX are reporting a late charge from XX/XX/2012 on my XXXX  and Experian reports that is inaccurate. Company hangs up on their customers constantly, refuses to follow federal judges orders, and tries to micromanage their customers speech. XXXX XXXX XXXX XXXX are fraudulently reporting incorrect information as one of their representatives put it to " on purpose '' to tarnish my excellent credit record. XXXX XXXX XXXX XXXX   can't even keep their own facts straight they report 0 missed  payments to XXXX  ( which is accurate. ) but then turn around and report different false information to two other bureaus.

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 2019-02-19
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
XXXX  is incorrectly reporting me as an Authorized User on Chase card ending in account # XXXX. I called Chase and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User and XXXX  and XXXX have removed this from my report but XXXX  has not. I have contacted the bureau to fix this issue but they have not fixed it yet. The negative information is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, 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 CAN NOT get into my Equifax account in order to UN freeze it for 24 hours. I am trying to purchase an automobile as I was just in a bad accident and my car was totaled. I have tried numerous times an many different phone numbers to get this done. Given them the same information repeatedly that was okay in XX/XX/2018. The dealer will hold the car until tomorrow morning - XX/XX/2018. Other similar cars are {$4000.00} MORE. 
I need this problem fixed NOW!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$110000.00} XXXX  XXXX {$110000.00} XXXX  XXXX {$25000.00}

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 2023-02-10
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received my consumer report and see that this company is reporting a account that was open by someone who stole my identity. I tried to work with the company but they are being relentless saying that I owe the debt even trying to sue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/2017 i was hit with a 30-59 late payment on my barclays credit card due to a yearly fee that i was unaware about.

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 2019-02-19
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My husband already submitted one request last night with my account as a joint claim. After speaking with the credit card company, my husband 's claim was reopened with the credit card company but mine was not. we had charges placed onto credit cards that we had no idea that we were getting. I ended up getting my own account after signing as a joint applicant on this generic/blanket credit application under my husband. I assume the vacation club took my information from the papet and put it into a separate application. I have a charge of {$2200.00} on my card. like my husband stated, we did sign a membership contact which is now cancelled and this has nothing to do with us authorizing this vacation club to take money off of credit cards that we didnt know about. we NEVER signed a receipt or verbally authorize this vacation club to take money from these credit cards. There were no services or Supplies rendered. we also let the vacation club keep {$1000.00} dollars from our bank account during this cancellation. It would not be right for them to keep the {$2200.00} from my card and {$4500.00} from my husband 's card after illegally taking the money. The credit card company sided with vacation club after they showed them we signed a contract for a membership with them and failed to cancel during the 3 day cancellation policy. yes, we failed to cancel with them after being toyed around for a year with lies about not being able to cancel. at the end of the day, this vacation club contact has nothing to do with us authorizing this company to take {$6700.00} dollars from us without our consent.

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 2022-10-10
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: Problem with personal statement of dispute

Complaint:
this account had numerous unauthorized charges and filed and provided an FTC Identity Theft report as well as an IRS affidavit. I requested that they Do not disclose this information as is my right to request nondisclosure. And the original dispute took more than 30 days.

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