BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I initiated a wire transfer from my Capital One 360 checking account for the value of {$2700.00} to an intermediary bank for deposit into my XXXX   currency investment account. I have completed transfers like this at least five times in the past. 

My wire transfer was rejected because Capital One said only transfers related to closing on a home may be made to an intermediary or title bank. They referred me to their terms of service as proof of this rule, but it is not listed anywhere : https : //www.capitalone.comXXXX  I am currently in the process of moving my business from Capital One to XXXX XXXX instead , but this will take a fair amount of time. Regardless, misleading consumers is not appropriate and should be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
When paying for an XXXX purchase they use PayPal to facilitate the card payment. The complaint is really against XXXX because it happens in their app. 

Firstly, when using the UK issued debit card, XXXX defaults to offer currency conversion from GBP and to charge my card in pound in the process that is known as dynamic currency conversion, although I have in previous transactions selected I don't want it. 

On the checkout screen XXXX doesn't disclose the additional cost for the XXXX service they've added by default. 

When clicked on the " additional currency options '' link below, XXXX/PayPal then disclose that the preselected GBP option includes a 3.5 % and converts at XXXX. When I XXXX for live exchange rates from XXXX and XXXX, the exchange rate at the time was XXXX. Therefore the markup is 4.28 % and not 3.5 %. 

I would like to lodge XXXX complaints : 1. XXXX adding a financial product ( XXXX ) by default, without disclosing the cost of that product. 

2. XXXX and PayPal showing the incorrect XXXX markup.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: HW Holding, 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with HUNTER WARFIELD, INC and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, HUNTER WARFIELD, INC and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: BB&T CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted XXXX XXXX XXXX while my car was being repossessed. 
The agent verified my address and told me to lookout for certified mail that would be sent. It's been over 6 months and I haven't received anything yet. While checking my report I noticed changes to the account. So I called them back to see what was going on and was told it's too late. So there are a several things wrong. 
There are multiple accounts on my record reporting the debt but with two different addresses. One address is regional acceptance corporation on XXXX XXXX XXXX, the other address shows as XXXX XXXX XXXX  on XXXX XXXX XXXX . 
There is also the verbiage " Skip '' on my report meaning they couldn't locate me, even though my address is current on their website today, this is also the address that they repossessed the car from. Statement was also received at this address. 
The amount being reported on my credit report differs from that on the account. The account says I owe XXXX while my report states XXXX. I am unable to validate which amount is correct due to the failure of XXXX sending state required paperwork. This paper work includes the intent to sale and the deficiency ( post sale ). These items per the attorney general is to be sent certified. I was advise to request these documents, and if not sent, the repossession was illegal and to report my findings and provide the supplies documents back to their office. So I am requesting copies of the certified mail receipts, copies of the sale ( if you sold the vehicle, I dont know ), also the intent to sell. PLEASE UPLOAD ALL DOCUMENTS TO THIS WEBSITE, DO NOT CALL, EMAIL, OR MAIL ME ANYTHING.

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 2021-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: EQUIFAX, 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 AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES 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 CRUEL ACTIONS. I ALSO FEEL LIKE I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, XXXX, and Transunion. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.

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 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-06-04
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Few days ago, I pull my online best buy credit card statement to come up with game plan to pay it off, I found that there is a small charge labeled as Enhanced Debt Protection, I reviewed previous statements, that charge was there. Best Buy Credit Services has been charging me a monthly fee for the above service. I have never intended to sign up for Enhanced Debt Protection. I reached out to them and they refused to refund previous months. They slipped this service when I signed up for the card. I did not know that I was signing up package bundles. BestBuy Credit Services needs to straight forward on the way they sell this service. They weren't with me. I would like to full refund for this service. 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 explanation
Consumer complaint received 2019-03-30
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX _________________________________________ TO : Equifax Information Services LLC XXXX. Box XXXX XXXX, Georgia XXXX CC : Consumer Finance Protection Bureau Consumerfinace.gov XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NM XXXX, Phone : ( XXXX ) XXXX XXXX : Acknowledgement of Equifax XXXX to Complaint : XXXX DATE : XX/XX/2019 To Whom it may Concern ( Once Again ) I had asked your company on over 10 occasions, as well as, in my original complaint and the certified letter I sent your company to please permanently lift my credit freeze. Once again THIS WAS NOT DONE? 

BOTTOM LINE : HOW CAN I UNFREEZE MY CREDIT FILE WHEN EQUIFAX SAYS I DO NOT EVEN HAVE A FILE? 

As my original certified letter indicates, your computer systems and customer service representatives have not been helpful to lift my credit freeze. Even writing you a certified letter and making a complaint with this government agency did not help. Remember, you are the folks that allowed my information to be stolen. You are once again becoming a hinderance to my purchasing a XXXX for my family. 

In your Corporate response you maintain I have no credit file and that you are unable to locate a credit file for one of the following reasons : a. may not have a current file, b. may not have applied for credit recently, or c. you have not actively used credit in the past ten years, or words to that effect ( see attached Equifax letter, XXXX, XX/XX/2019 In contrast, my Loan Officer ( see below email cut and paste ) states the following : XXXX XXXX XXXX XXXX AM ( 2 hours ago ) Yes, I know but Im just not sure what to do. All I know is that I can not process your information through XXXX XXXX or XXXX XXXX automated underwriting system until the credit report no longer reflects your Equifax score is frozen. 

XXXX XXXX : XXXX ID # XXXX. XXXX ext XXXX. XXXX. 
XXXX. ( XXXX fax ) __________________________________________________________ _____________________________________________ XXXX XXXX XXXX XXXX SWORN TO AND SUBSCRIBED BEFORE ME, THIS DATE, IN XXXX XXXX NEW MEXICO. 

XXXX XXXX XXXX Expires : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There are many mistakes appear in my report without my understanding.

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 2018-08-15
Company: Cascade Collections, Inc.
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After almost 4 weeks of trying to reach XXXX from cascade collections. She finally emailed me and told me to call her as she has very little options for payment plans. I called her and she started to tell me I need to get a loan or a family member to lend me {$5000.00} to payoff this debt as my {$100.00} set up payments are no longer allowed she also said if I disagree there will be a judgement against me told me she knows I never had any and I should try to get the money before it happens she asked me what else do I pay and to provide 3 months worth of paystubs than her and her manager can look over. I told her I have XXXX kids and the father of my kids is not with me. I told her I can not afford a lot. I really cant. She told me since there has been a retuned check she can not accept payment with checks I advised I can pay with debit card she said first I need to see if I can get a loan even from my XXXX and she asked what loan places I have used and I did tell her I have tried but I can not get approved I told her if when I get my taxes I would clear the balance she said with all those kids you get a good refund. She also stated if I can not do {$300.00} a month she is not going to accept payments and will sent to involuntary collections where my credit will be affected. I asked why if for the past weeks I have attempted to satisfy my delinquency? She didn't address that question and told me to send her 3 months worth paystubs. We have never had a written agreement she always was helpful up until now she did state her manager is the one telling her to not accept payments. She also asked if the father of my children pays child support I said no that I am currently working on taking it to court she asked how much you asking for child support I told her {$500.00} and she said I could use that once it starts. I am pressured and scared for my livelihood I pay XXXX of rent and my car and insurance is almost {$1000.00}. She and I had an agreement that they would wait for my taxes to payoff now they want the full balance and said her client ( XXXX XXXX XXXX ) Comes first

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I monitor my credit report using XXXX XXXX and XXXX. When I checked my credit score on XX/XX/XXXX, my credit score had dropped 59 points on XXXX XXXX. I understand that XXXX XXXX is a third-party, so I checked my Equifax report through Equifax.com. They showed a drop of 56 points. The accounts that are reporting on my credit report have been reporting. The negative and positive ones. According to XXXX XXXX the only change that had taken place was that my credit card balances were paid down and that a negative account was removed from my credit report. This was the same on Equifax.com. Therefore, two positive occurrences happen yet my credit score dropped tremendously. Again today XX/XX/XXXX, I check my credit score I did open a new account Equifax dropped my credit score 39 points for the new account. XXXX I lost three points for the new account. And XXXX I lost 11 points for the new account. But Equifax dropped 39 points for the new account. That coupled with the 59 points that they dropped me for the positive changes on my credit report, has dropped my credit report to XXXX with Equifax when everyone else is at XXXX. I did call to speak to Equifax I did ask that an investigation into this matter be open I was denied the manager I was denied the investigation and the representative stated that a negative Point drop when two positive actions have taken place Justified a 60-point drop at that time. And now a new account has dropped me 40 points. There is clearly a problem in the Equifax system here that they need to address. I also find it completely funny that you're speaking to someone who is not from the United States about your credit reporting for the United States and they have no idea what credit is because they don't have it in their own country. This needs to be investigated and resolved immediately. Equifax can not do this to people I am working on trying to purchase a home and I understand that we rely solely on technology. But no additional negative accounts, and a negative account being removed, paying down two credit card balances to less than 1 %, and opening an account does not constitute a 100-point drop on your credit score. I would like this matter investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I have been trying to get this issue fixed for almost an entire year. 

TransUnion has failed to fix this issue. This is my 3rd time reporting this as well. The 3rd party credit report, XXXX XXXX has my credit score about 50 points less than it should be due to the inaccuracies TarnsUnion has in the database. 

The credit card that I hold from XXXX XXXX XXXX XXXX is not on my credit report accurately. 

It does not display as OPEN and is hurting my credit report dramatically! 

Id like for TransUnion to fix this issue!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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 XXXX XXXX {$2600.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}

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 2018-08-15
Company: LEXISNEXIS
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:
XX/XX/18- Consumer File was requested ( Consumer ) USPS Tracking :  XXXX XX/XX/18- Consumer File Received from Company ( Company ) XX/XX/18- Dispute was filed regarding Bankruptcy reporting via telephone ( Consumer ) XX/XX/18- Dispute was allegedly verified by Company ( Company ) XX/XX/18- Method of verification was requested and copy of letter from the alleged Creditor denying the reporting of Bankruptcy was sent ( Consumer ) USPS Tracking : XXXX **No response received within the fifteen ( 15 ) day allotted time per the FCRA** XX/XX/18- Reinvestigation requested via telephone ( Consumer ) XX/XX/18- Dispute was allegedly verified by Company ( Company ) XX/XX/18- Another request for the method of verification sent to Company ( Consumer ) **No response received within the fifteen ( 15 ) day allotted time per the FCRA** XX/XX/18- No response has been received ( Company ) XX/XX/18- Complaint filed with CFPB ( Consumer )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Back in XXXX I filed disputes with all 3 bureaus and still no change on my report. There are collections on there that should not be be on there and charge off too.. I do not understand why this hasnt been fix yet. What does it take to have something remove that should not even be on there in the first?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Back in XXXX I filed disputes with all 3 bureaus and still no change on my report. There are collections on there that should not be be on there and charge off too.. I do not understand why this hasnt been fix yet. What does it take to have something remove that should not even be on there in the first?

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX {$2600.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}

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 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There are many mistakes appear in my report without my understanding.

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