BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Unauthorized transactions have been made on my account since XX/XX/XXXX, while I am not in the US and couldn't have used this card. The transactions go on until XX/XX/XXXX, as a credit run low notification was sent to my email address. The transactions include XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX, totalling up to an amount of {$3600.00}. 

Once I discovered the fraud, I called Bank of America to file a fraud claim. While it was rejected at XX/XX/XXXX because of insufficient information, I discovered during a second phone exchange that a fraud alert was sent to a phone number, being the reason that they rejected the claim. However, the phone number they registered on file is not my own -- when opening the account, they misspelt my name and took down the wrong phone number. My number is XXXX XXXX, however, they directly took the 1 as the US country code and sent the information to ( XXXX ) XXXX. Having made the discovery on how the information leaked, I called the bank twice but didn't get a satisfactory answer. 

I believe that it is wholly the bank 's responsibility as they took down the wrong information in the first place and caused the fraud, so I ask for my claim to be paid.

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 2018-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I paid my Capital One cards to XXXX, they accepted payment then put my account on restriction, Im currently XXXX overseas, I contacted them and was told my accounts were closed. They would not give me any other reason or explanation. I carried a high balance due to a lenghty and expensive divorce, as soon as I was in a financial position to pay them to XXXX balance, I did. I thought I would improve my credit score, they have closed my accounts which has now damaged my scores. I paid on time and was never late. I have also had vehicles financed through them, which I paid on time and was never late. Closing my accounts without warning or reason is bad business in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Ad Astra Recovery Services Inc
State: KS
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:
COMPANY REPORTING FRAUD ACCOUNT ON CREDIT FILE WITH ALL CRA. THIS IS NOT MINE AND, AND I HAVE NEVER DONE BUSINESS WITH CLIENT/ COMPANY, FRAUD AFFIDAVIT FILED WITH FTC CASE # XXXX ID FRAUD, SAME ACCOUNT DATA REPORTED 3X WITH 3 DIFFERENT COMPANIES DEMANDING SAME PAYMENT OF {$280.00}. COMPANY VIOLATED " FDCPA, FCBA AND FCRA '' Account Number:XXXX-XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Bread Financial Holdings, Inc.
State: VA
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:
The comenity bankXXXXbread XXXX company charged me interest on a balance that was paid 2 weeks prior to the due date. There was no balance left to charge interest on. I have called and requested they waive or dispute the charge but they refuse and keep hanging up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Date opened XX/XX/2012 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My name is XXXX XXXX My social security number is XXXX and my capital one card XXXX date of birth XXXX address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX My credit limit supposed to be higher then XXXX and spoken to capital one about a emergency credit line increase and it supposed to be approved the emergency was that my car needs repairs My complaint is that capital one credit is not helping customers when their an emergency Thy promise that even if you have XXXX credit the card will let you go over the limit And also capital one promise to extend more credit to new customers and existing ones but they didn't keep that promise

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX, 2019 I came across an individual selling concert tickets that I wanted to purchase. I used PayPal because they offer Buyer Protection in the case that you are scammed. I used the Friends and Family option because of the lower fees associated with sending the funds. I paid {$100.00}, {$100.00} to the seller and {$4.00} fee to Paypal. 

Once I sent the funds, the seller basically disappeared. They deleted their social media account we had been interacting through and stopped responding to my messages. I tried " recalling '' the funds but was unable. I did not receive the concert tickets either. 

I filed a claim online through Paypal 's site on XX/XX/XXXX/19 explaining the situation and it was denied within hours stating that this " appeared to be a normal transaction ''. I then called on XX/XX/XXXX/19 and explained the situation to a person hoping they would be able to help. They were of no help, offered no assistance and stated that it was their policy to not pursue any actions in cases like these. 

I was told that because I had utilized the Friends and Family option, that I was not protected. 

I find it beyond reprehensible that Paypal would allow scammers to utilize their services without any type of consequence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
I noticed unauthorized inquiries on my credit report. I have contacted the companies and credit bureaus to have these removed.

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 2020-09-23
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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX  & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies. 

COVID-19 should not be a valid excuse for this!

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 2021-07-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
PLEASE NOTE ATTACHMENTS WHERE THE VERY XXXX AND CORRUPT EXPERIAN WORKED WITH SBA TO DENY THE MUCH NEEDED DISASTER RELIEF LOAN I WAS INITIALLY APPROVED FOR.

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 2022-01-19
Company: Experian Information Solutions Inc.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-07-28
Company: Experian Information Solutions Inc.
State: MN
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 have filed two letters with Experian to remove the incorrect information that is on my credit report. The information is regarding a bankruptcy that was filed in XX/XX/XXXX. According to documentation that I have received from the U.S Bankruptcy court in Minnesota dated XX/XX/XXXX, they DO NOT report any information to any of the three credit reporting agencies. My first attempt to clear this up with Experian was on XX/XX/XXXX and I received a letter in response stating that the information was valid. My second attempt was on XX/XX/XXXX, and I included their response as well stating that I needed to contact the reporting agency. The reporting agency again DOES NOT provide the information as stated above. I have now escalated this issue to your agency in hopes to get this cleared up. I have included all the documentation needed to clears this matter up. I look forward to your help in this matter. Thank you 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 2022-01-19
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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:
NELNET received my dispute letter on XX/XX/2022 according to XXXX certified mail/ green receipt tracking XXXX. In my letter I demanded for your agency to cease from furnishing to CRAs. Also, I demanded deletion of the late payments from my consumer report, this agency is in numerous violations of the FCRA, including 15 USC 1681b. and 15 USC 1681 ( 2 ) ( a ) ( i ) the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. See attachment for exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: LEXISNEXIS
State: CT
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 found fraudulent accounts or hard inquires in my credit report that I did not authorize such accounts needs to be remove from my credit because they do not belong to me nore I have authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I`m disputing these account below because I can not get no answer or response from the creditor. I `m asking for assistance in resolving this matter as quick as possible. I know according to credit laws, you must report any and all accurate information on my credit report and if there are any inaccurate information, then it could be subject to violation, which can result into a small claim suit. Please see the accounts below and the reasons for me disputing this information. 

WF Card-account # XXXX-this account is in violation of the credit reporting act & has passed the 4 year of Statute of Limitations reporting for the state of Texas. In addition, this account was sent to the IRS as a 1099-C, Cancellation of Debt. Which IRS was accepted and reported this debt as income, which is a 6 year old debt? The violation of this debt is the creditor is still reporting the amount of XXXX as valid debt and still trying to collect, and the balance was updated XX/XX//2019 showing this is a current debt for 2019, which is inaccurate because the balance as not changed and this debt was sent to IRS. This debt is reporting as a recent date of XX/XX//2019 and has passed the 4-year statute of limitations. Based on this inaccurate information this is a violation of CFPB and FDCPA SECTION 809 ( B ) FTC and this account need to be deleted.

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 2019-09-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery has consistently reported that I owe them {$2300.00} to the credit bureaus. I have disputed them multiple times and asked for validation and they only send a copy of a bill. That isnt considered validation of debt. This has been ongoing since 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary XXXX. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit 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 2017-07-28
Company: GREAT LAKES
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am requesting an immediate stop any and all deductions from my checks in regards to wage garnishment. I was not properly notified and allotted the correct amount of time to put together a plan of repayment before deductions began based on XXXX Administrative wage, article ( e ) sections : 1, 2, 3. This is with regards to my Federal Date of order : XX/XX/XXXX Date mailed to employer : XX/XX/XXXX US Postage date : XX/XX/XXXX Date received : between : XX/XX/XXXX XX/XX/XXXX - Based on XXXX website : money was deducted from my wages on XX/XX/XXXX for {$65.00} This should not have happened this quick. Any further deductions should cease until further notice. I am in the process of having an attorney review this as well. I appreciate your help with this. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have been working on rehabilitation of my Great lakes Higher Education loan..they had a wage garnishment in place. I contacted them before they started to take the money out of my check and set up payment plan. They day they take money out of my personal checking account, they still took the money out of my check. which ( in an email i had that stated that should not have gone through. I am trying to pay it back but i can not have XXXX different deductions of 15 % each of my disposable income. I have XXXX children and if we will not survive. I am trying anything to prevent filing bankruptcy. Thats why i consolidated and putting together an affordable plan. but if they do not allow me proper time and work with me. Why am I expected to do the same and they have power to XXXX me out of my funds. Wage garnishment should be illegal, it forces people to quite their jobs and do illegal things, which could be prevented by not diving into someones pockets to ruin their lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: MD
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:
On XXXX XXXX, 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I have two Capital one credit cards that are closed at consumers request on all credit reports.I have disputed info many times and even called capital one credit services to fix issue.Nothing works to resolve issues.On accounts XXXX and account XXXX I was late paying and even stopped paying because of layoff from work and financial difficulties.After many letters to pay from capital one and even collection letters from capital one, they closed my two accounts at consumers request.I eventually went back to work and was able to make payments again.I called Capital one to make deal to repay balance owing in payments and in return to delete both negative/closed accounts from all credit reports.They accepted deal but did not fulfill there end of the deal to this day.On account XXXX, I opened XX/XX/XXXX and last payment was on XX/XX/XXXX and they closed the account 0n XX/XX/XXXX.On account XXXX, I opened on XX/XX/XXXX and last payment was on XX/XX/XXXX and they closed account on XX/XX/XXXX.As of today these two closed accounts are still on all credit reports impacting my credit and score.Me and Capital one made a deal and they have not fulfilled there end of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Thaxton Investment Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX in XXXX tn. XXXX XXXX XXXX. XXXX and XXXX both have been told by my husband to stop calling him regarding my loan and they both called him today XXXX XXXX 2018. He is going to file harassment on them and the company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
My original complaint number is XXXX. 

I received an email from Bank of America on XX/XX/2022 XXXX XXXX XXXX to contact the agent at Bank of America by XX/XX/2022. I contacted XXXX. The phone number asks to enter XXXX digit extension. I received XXXX digit extension - ext XXXX. The email provided is not monitored. So, I am not sure how to contact the agent. 

See email message received below as well as attached. 

======================================================== XXXX XXXX XXXX, Thank you for contacting Regulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. 

I am your point of contact until this matter is resolved. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2022 to confirm that information. 

Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are Monday thru Friday, XXXX XXXX. 

Thank you, XXXX XXXX Resolution Specialist Regulatory Complaints Operations ( RCO ) XXXX ext XXXX XXXX XXXX XXXX Bank of America logo Life 's better when we're connected

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