BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been getting repeated phone calls and voicemails regarding a collection for unpaid debt to XXXX XXXX for my credit card. This is from Portfolio Recovery Agency. However when I spoke to them finally, it was said to be a mistake and I dont owe the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: NJ
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:
I am not getting any responses from the credit bureaus despite of several dispute I sent them for the past few months. These are the accounts I sent them for dispute : XXXX  XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX | XXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I have been a loyal customer of Citibank for 30 years, but have somehow been caught up in a faulty security processing loop. Citibank has locked my card, refuses to complete my identity verification, continues to charge me fees for the card. In the end, I only wish to re-establish service, but there appears to be no means for accomplishing this. Escalation to managers only results in more physical letters dispatched to my mailing address, none of which apparently contain the requisite information that would allow unlocking of my 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 2023-11-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
XX/XX/ initiated a transfer from BMO XXXX  Online Banking in the amount of XXXX XXXX to an external account. Website says the transfer will take 1 business day for approval. Called XX/XX/ to follow up as I did not get any confirmation or rejection email nor did it show up as a pending transaction on my online savings account page. Their website shows it may take 2-3 business days total but they did see a pending transaction on their end to underwriting. Fast forward to XXXX  called back yet again to find out what was going on with the transfer and the rep said they didn't see any pending transfers, thus concluding they either rejected it or it was never processed correctly. Reinitiated a new transfer and told to wait 24 hours to check pending status.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
my entire credit report is and full ERROR. because identity theft Disputing for years. and nothing has been done.

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 2023-06-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was sent an email on XX/XX/XXXX from American Express saying that I can earn {$350.00} cash bonus if I open a high yield savings account. It says funds had to deposited by XXXX XXXX. I opened the high yield savings account in my name and a deposit was made in the amount of {$25000.00} on XXXX XXXX. The money was held in the account through XX/XX/XXXX as this was one of the requirements. The bonus email was sent to my name and email address. I opened the savings account with that same name and email. I did not already have a savings account with American Express. I was not named on any other bank account with American Express. I called about my bonus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. All they can tell me is they will send the complaint to another department. Which they have said before and nobody has got back to me to tell me how I have not complied to get the sign up bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
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 belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I opened a square account and used my prepaid debit card to make a payment to myself to deposit into my primary checking. Square decided to request for all my personal info, such as access to my bank accounts, license, business info and much more. They also suspended my account and said they will hold my money up to 90 days. I told them that I want to close my account and get my {$750.00} refunded to me, but they refused to refund me and they refused to close my account. The rep told me that they cant help me unless I submit all the documentation theyre requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: ID Analytics, 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 is miy third attent to remove this account. 
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.In a pass complaint your company had removed this account, but in a violation of the FCRA You have re-posted without a written notification prior to re-posting this account .Please remove this account permanently from my XXXX  , Sagestream and XXXX file to avoid further litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Conduent Incorporated
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
They allowed multiple unauthorized transactions to go through. These totaled over {$400.00}. They refuse to fix it and said my investigation was closed. So basically, Im out $ XXXX and they will not do anything to make it right. They shouldnt have even let these transactions go through. I sent them 2 pages of transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased XXXX worth of items from XXXX XXXX XXXX using my Chase debit card, the order was marked as delivered by XXXX , but I never received it. I contacted XXXX XXXX XXXX and they advised me that due to the order size, I would need to file a claim with chase bank. I filed a claim with chase bank and filed a police report. Chase denied my claim, and I went to a branch to fax them documents showing that I had never received the order, but the transaction is still posted on my account and the claim is still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX, has been told in XX/XX/2017 that I am filing bankruptcy. 
They were also told by my attorney. 

I keep getting calls as they put my accounts into collections. 

Every few months, Portfolio calls me ( the collector ) And again, I tell them the same thing, along with my attorneys info they dont stop calling me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: Factor Trust
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:
Unable to request security freeze through phone, mail, or online from these data furnishing companies. 

FactorTrust , IncXXXX XXXX XXXX XXXX XXXX XXXX FactorTrust, Inc.XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My first Capital One ( Venture One ) card was activated several weeks ago. 
I had used it often since. 
Unable to access the account online, I was told by a Capital One agent that I needed to send the front and back of my Driver 's License ( through a secure link ) to gain online access to the account. 
I did that. 
To which they froze the account, without warning or reason - apparently because the address on the license plate did not match the address on the account. ( I own a house in New York, and the townhouse in XXXX XXXX NM from which the account was applied. ) I learnt of the freeze when my card was rejected in a restaurant. ( In front of a client. ) In response to my frantic call, Capital One - through three different agents - insisted that the only way to reactivate the account was by my sending a photo of my Social Security card in an email! 
A physical photo of the SS card, and nothing else will do? They also wanted a photo of a local utility bill ( reasonable enough ) but the SS card was in a safe deposit box in NY.

Game over. No physical SS card, no re-opening the account. 
Once my astonishment wore off, I demanded that Capital One put this remarkable SS card request in writing - email or physical letter. 
They refused. They offered a generic letter about " questioning my identity '' - which would have been patently false. ( I have worked in the banking industry for 40 years and know their people personally, as I described. ) They again and again refused to put in writing this bizarre and unique requirement, even as they made it again and again on a recorded line. 
If they doubted my identity, they should not have validated the card in XX/XX/XXXX. 
Instead, I now have roughly one dozen " auto-pay '' accounts waiting to charge my new " rewards '' card - but it's still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hello, I already submit a case about how the BOA agent rude to the international student, and made her credit card unpaid after helped she close the checking account. after the first compliant, the BOA connected me and provided an solution that I could add my friend at the authority users list. according to the policy of Boa, the authority users have rights to withdraw and pay my credit card. however, we meet new problems now. when my friend tired to go to the local bank, they said she have to call the credit card department to pay. when she called the credit card, they said that she could not pay, because this card is mine. but when I called the bank, the agent told me that they promise my friend could could them, and they will help she to do the payment. so we got different answers from the same company.I tried to pay my bills, and fixed the problem that BOA agent did. However, it is so hard to get a correct way. my credit card is due on XX/XX/XXXX. after this time, I have to pay more late fee.what can I do now? hope you can help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I checked my name in the equifax data breach with the last 6 digit of my social security my information was included in the data ALL THE ACCOUNT WAS OPENED WITHOUT MY CONSENT AND APPROVAL I XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Avant Holding Company, Inc.
State: OR
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:
My name is XXXX XXXX and I am having issues with my Advant credit card. I contacted them to set up a payment plan and let them know I can only afford XXXX a month right now. Their answer was first month XXXX, next month XXXX, next month XXXX. This is way more than I can afford so I am making the XXXX payment every month. The problem is they are charging late fees and interest totalling XXXX a month and it goes higher every month because of the interest. I really want to work with them and catch this card up. This is the only company out of the 11 we have called that is not working with us. Any help with this would be amazing. 

Avant Balance : XXXX Minimum due:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I disputed several personal addresses and collection/charge off accounts on my credit report. On XX/XX/XXXX I received notification from XXXX that the accounts have been verified. The Law states that the items disputed need to be removed within 4 days of receiving my complaint. 

XXXX is violating Section 604 15 U.S. Code 1681 B which states the credit reporting agencies dont have the right to report anything on my credit report without my written consent. 

XXXX is also violating Section 605 A 15 U.S. Code 1681 C-1 Without my consent means identity theft XXXX is also violating Section 605 B 15 U.S. Code 1681 C-2 XXXX was notified that the disputed accounts was a result of identity theft and I didnt consent to the accounts being on my credit report and XXXX still has not removed the accounts from my report XXXX is also violating 15 U.S. Code 1666

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 2021-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I typed letters to each credit card lender indicating I was affected due to a natural disaster ( covid19 ) I was requesting hardship at this time. The letters were submitted back XXXX, XXXX, XX/XX/2020 Due to the Cares Act it did state that Credit card debtors can request hardship at the time. However, I paid the account up as agreed bit now it is showing late payments on all three credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original creditor is XXXX XXXX XXXX XXXX {$8100.00}

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 2022-03-12
Company: EQUIFAX, INC.
State: VA
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:
Ive sent my social security card my drivers license and w2 many times MANY times to Equifax who have some style of block on my account and have refused to remove it I have been on the phone many times and have sent them so much info and they still will it releases my Credit file. 
Now I can not get into myEquifax and when i did I no longer have a credit score They are also refusing to give me a copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CBC Companies, 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:
Factual Data excessively ran unexplained and unprompted credit inquiries from XXXX to XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am trying to remove the XXXX  XXXX and XXXX XXXX listed on my credit reports. The XXXX   XXXX was discharged and XXXX XXXX has several duplicates and it has aged out

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 2019-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
This is regarding the transaction made in XXXX XXXX ( XXXX ) using Capital One Venture VISA credit card ( issued in US ). Both Capital One and VISA confirms that actual currency exchange rate would be calculated when transaction is posted on account. Its not when transaction was made. 

Here are the specific details related to transaction. 

1 ) Transaction posted Date in Statement - XX/XX/2019 2 ) Bank Fee confirmed by Capital one - 0 % 3 ) Transaction Currency- XXXX XXXX ( XXXX ) 4 ) Credit Card Currency - US Dollar ( USD ) 5 ) Transaction Amount- Rs XXXX Issue - Amount charged by Capital One Venture VISA credit card is XXXX XXXX.This amount is {$160.00} more than actual exchange rate. 

I have done some research on this transaction and here is the proof why foreign exchange rate is inappropriate- 1 ) Upon entering above 5 details on Foreign Exchange Rate Calculator on VISA website, amount charged should be $ XXXX This conversion by Visa is WRONG. ( Attached screenshot for more details ) Web link - https : XXXX 2 )  Upon entering above 5 details on Foreign Exchange Rate Calculator on MASTERCARD website , amount charged should be {$7600.00} This conversion by MASTERCARD is  correct and is very close to exchange rate searched on XXXX. ( Attached screenshot for more details ) Web link - https : XXXX As VISA is using inappropriate currency exchange rate I need to pay around {$160.00} more for single transaction. 

I talked to Capital One and VISA both and they delegate the question to each other and no one is taking the responsibility of this issue.

Company response to consumer: Closed with non-monetary relief