BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 - Capital One transferred {$20000.00} to my XXXX Bank account per my request XX/XX/2023 - Capital One issued a reversal request to XXXX Bank and requested the transfer be returned from XXXX Bank to Capital One saying a fraud alert was triggered ; the money was removed from my XXXX Bank account ( see attached documents ) XX/XX/2023 - I called Capital One to address the issue and they said I'd receive a response in XXXX XX/XX/2023 - I received an email confirming the reversal in the amount of {$20000.00} and the amount would be credited within XXXX hours ( see attached email with confirmation ) XX/XX/2023 - the amount has not been credited to my account and Capital One representatives are saying it is deposited and I should check with XXXX bank ; XXXX bank said via phone call they returned the money XXXX and it should have been received by Capital One no later than XX/XX/2023 Capital One issued a fraud alert and stopped XXXX of my deposit. They made me jump through all sort of unnecessary hoops to verify my accounts when they could've just confirmed all the info with the other bank. They then lost, and are refusing to return, the {$20000.00} they reversed from my bank account. I have the paper trails from both accounts showing the transactions to prove the missing money and timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: REGIONS FINANCIAL CORPORATION
State: AR
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:
I have a credit card with Regions bank. I made my Regular cc payment on XX/XX/2021 in the amt of {$290.00} using my XXXX  XXXX XXXX XXXX XXXX account. On XX/XX/2021, I made a double up payment of {$930.00} using my XXXX account. I was told it would take XXXX to XXXX  days to post. Within that time I noticed the money hadn't posted so I called in to Regions. I was told that the payment still hadn't processed at that time I was informed by Regions credit card department that they could cancel the transaction then process a new one. I decided to do a new transaction. A few days passed when I noticed Regions had collected the money. Shortly after, I noticed Regions bank had debited my account for another {$930.00}. I asked for them to return but they replied that they can't return my money because it's a non Regions bank account. As of today, they have failed to return my money to me. I asked if they could forward the {$930.00} they took from my account and deposit it into one of the Regions bank accounts my boyfriend has with Regions being that he's a business owner and he has me listed as the authorized user as well my name is on his accounts, having the privilege to discuss his accounts or make necessary changes, Regions have denied me asking if they could deposit the money into a Regions account with me being the authorized user and my boyfriend speaking with Regions bank credit card company authorization to allow me the right to be able and have my money Regions took from my non Regions acct to be deposited into his Regions XXXX  account.

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 2019-03-25
Company: Main Street Personal Finance
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I had a payday loan with XXXX XXXX in XXXX, SC. They have called my job everyday for a few weeks now, and today was asked to stop contacting me at work. They stated they would then come see me at work if I couldn't talk to them over the phone. threatened to come up to my employer which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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: Information belongs to someone else

Complaint:
This credit bureau refuses to delete information on my credit report that occurred as a result of fraud. I sent them my FTC identity theft report along with a copy of the police 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 2017-09-18
Company: Experian Information Solutions Inc.
State: TX
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:
All three major credit bureaus have illegally hoarded consumer 's personal information without this Consumer 's expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the Federal Trade Commission to demand on my behalf that all 3 credit bureaus remove all of this Consumer 's social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similarly sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX XXXX from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. The consumer would also like to thank the Federal Trade Commission for protecting her/his Personal information, Family, and Household.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Experian Information Solutions Inc.
State: MA
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:
On XXXX I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-07
Company: EQUIFAX, INC.
State: SC
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 was trying to purchase a vehicle a few months ago and every lender that I spoke with stated that they could not pull my Equifax report. They were able to access my XXXX and XXXX without any issues, but they could not access my Equifax report. On the lenders end it stated that there may be consumer fraud or some type of freeze on my report that will not let them access it. I called Equifax about 5 different times to get this matter straighten out as I do not have any idea as to why lenders can not pull my credit report. I have never in my life placed a freeze on my credit and have no knowledge of any consumer fraud. Equifax told me every time I called that they do not see any freeze on my account and they are not sure why lenders can not pull my credit. They stated that it may be because the wrong address was listed on my credit report and the only way to change that is to mail or fax them a picture of my social security card, my ID, and a cover letter with my correct address. I did that and I am still having the same issue. I am now in search of a new home but lenders still can not access my credit. I am desperate at this point, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have tried twice 4 times to get the errors on my account removed. I have been in school since XX/XX/XXXX and I am graduating in XX/XX/XXXX. My loans were recently transferred over to Navient for the continuation of payment. I have called customer service 2 times. The first time the navient customer service agent told me to ignore the bills I was receiving because they were inaccurate and not all of my loan information had transferred over including my deferement and forebarance status. My loans state that I am to start loan repayment after I graduate. The first bill I received was for {$34.00} dollars. I was told by Naveint to ignore this bill. So I did. A month later ( 2 weeks ago ) I received another bill that had doubled in amount due to " late fees '' from not paying the first bill. So I called Navient 's horrible customer service line again and the agent told me that the other agent was wrong, my loans did transfer and i will continue to accumulate late fees if I do not pay. I told her that the terms of my loan state that I am not to start repayment until after graduation. She told me that the terms of my past loans have changed. They have not they have been the same since I started college. So I asked the agent if it was correct that even though my loans state that I am not to repay until after graduation, Navient is telling me I have to and that they changed the terms of past loans I did not agree to change. She said that was correct. So I hung up and emailed the Navient customer complaint line 2 times In the past two weeks. I have not heard back about my account, the errors on the account or that they are even willing to contact me. They have been completely unresponsive to my emails and calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I ve had an account with XXXX XXXX  open XXXX XXXX since XXXX 2012 until current. Ive attached a bill from past to confirm im daying the truth. I was victim of identity theft and open XXXX XXXX fixed the error. The credit bureaus have not updated. This account as XXXX. Time never late. Credit limit is XXXX anf balance is only XXXX dollars. Please have credit bureaus update records

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 2019-03-25
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has repeatedly reported this debt amount of {$70.00} with an account # XXXX to my credit report and it has been transferred to several different collection agencies. I have spoken with XXXX twice via phone with the first person named XXXX confirming that I did not owe the amount and it would be removed, and the second person who would not provide her name refused to answer any of my questions and advising that my account was no longer with them and had been transferred to Diversified Collections. I specifically asked them to confirm what dates this bill amount was for as I paid my final bill amount on XX/XX/18 and immediately transferred my phone number to XXXX as of XX/XX/18, thereby closing the account. Clearly, the first representative blatantly lied to me. I will include emailed receipts as well as the documentation for the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: JPMORGAN CHASE & CO.
State: PA
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/2018 i sent a letter requesting to verify this debt that's supposedly owed. This company has yet sent me any information regarding my request to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal - negative {$4600.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$4600.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4600.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello, how you doing after opening a XXXX XXXX and was allowed to log in for about a week. It was restricted me going on the second week. therefore, I was unable to login my new XXXX XXXX  account so I took for the actions and call early warning has being told and they told me on my report I had a Bank of America account disclosure due to fraud that I am unaware of.

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 2017-09-18
Company: EQUIFAX, INC.
State: TX
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:
All three major credit bureaus have illegally hoarded consumer 's personal information without this Consumer 's expressed written consent. Pursuant to the XXXX XXXX XXXX all XXXX credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the XXXX XXXX XXXX to demand on my behalf that all XXXX credit bureaus remove all of this Consumer 's XXXX XXXX XXXXs, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX or similarly sensitive information. All relations with these XXXX credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all XXXX credit bureaus for their Treasonous deeds and all will be forgiven. The consumer would also like to thank the XXXX XXXX XXXX for protecting XXXX XXXX information, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Experian Information Solutions Inc.
State: VA
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:
I reached out to XXXX XXXX and asked for them to remove the 5 late payment remarks on my credit report in 2019. The company stated yes and that I will see the update in 30 days. The processed the request. I called back to check on the status and the representative stated it was still being processed. I reached out again after waiting and the next representative said NO it will not be done. XXXX XXXX lied to me. I have been a card holder for almost 8 years. I had/have XXXX XXXX on my account which covers when my account gets behind and keeps me from going delinquent by paying my balance. I had XXXX XXXXXXXX  claim approved at the time because I was in a car accident XXXX XXXX stated they would perform a removal and then refuses to uphold it.

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 2023-01-28
Company: Experian Information Solutions Inc.
State: TX
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2018-03-05
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX received a collection letter from Choice Recovery regarding a medical bill with XXXX XXXX. Bill was in correct amount as we have been sending in {$20.00} payments. I contacted XXXX XXXX to find out why on XX/XX/XXXX because they just took a payment from us and our bank on XX/XX/XXXX but it was not documented, as well as other payments made. We have documentation proof showing where these amounts were approved and taken from the account. XXXX from XXXX XXXX in billing tried to say account was sent over to Choice Recovery on XX/XX/XXXX, however did not send us any notification. Choice Recovery ( XXXX XXXX ) is saying that they didn't get the account till XX/XX/XXXX and didn't know why XXXX XXXX would say that. He was extremely rude with me as I told him we had documentation on processed payments. Told me I could dispute it but that was it. Choice Recovery was trying to be very intimidating and didn't care that we had proof to show these payments. This poor documentation is effecting my credit and is unfair collection practices when this account was being paid on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation