BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 pre-paid for a rental car on XX/XX/2019 with XXXX for my XXXX trip to XXXX XXXX, Fl. Upon arriving at the rental counter I was told I needed to produce my auto insurance declaration page in order to rent the vehicle from XXXX XXXX XXXX. I told them I was not informed in any of the documentation they sent prior to my arrival that stated that and they said it would be in my contract that I needed to sign. I argued that this was deceptive business practices by now forcing me to take their car insurance at an additional cost than what I agreed to.After I expressed my dissatisfaction with their policy I asked how much they wanted to charge me for their insurance at which the customer service representative stated that it didn't matter " he was not going to rent me a car regardless ''. At that I returned to the airport and rented a car with no issues from XXXX. 
I called XXXX to express my dissatisfaction and request a refund for the vehicle that I pre-paid {$180.00} for back on XX/XX/XXXX and they said since it was pre-paid they could not issue a refund. I then contacted my credit card company ( Capital One ) to report my issue and start to chargeback procedure. 
I continued to press XXXX XXXX XXXX for a refund and was contacted by XXXX XXXX who is the Customer Service manager at XXXX XXXX XXXX who apologized for inconvenience and stated she would issue a refund. She then contacted me the next day and stated that since I had reported the issue to my credit card company she could not issue a direct refund to me she would have to work through my credit card company. I agreed to that and considered the case closed. 
I was then informed by Capital One that XXXX XXXX XXXXl had declined my request for a refund and the charge of {$180.00} was put back on my card. I contacted XXXX XXXX and was told that since I filed a chargeback with my credit card company her policy states that she can not issue a refund. 
So, XXXX XXXX XXXX did not fulfill their obligation to provide a vehicle that I paid for and Capital One refuses to support my claim that I paid for a service that I did not receive thus my writing to you today. 
I have documentation that supports everything that I stated above and will provide it upon your request. Any assistance you could provide would be greatly appreciated. Thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-12
Company: FIRST HORIZON BANK
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2020, I tried to open an online checking account with Iberiabank, in XXXX XXXX,XX/XX/XXXX. 

I went through the whole process ; answered the security questions ; and was advised the account was opened. 

I was then asked for an initial deposit. I paid the {$50.00} opening deposit via my XXXX card. See below. 

XX/XX/2020 Store Purchase IBERIA BANK, XXXX XXXX,XX/XX/XXXXON HOLD - {$50.00} The next day I get an email from Iberiabank advising me that now that can't open an account for me based on what was inXX/XX/XXXX and XXXX XXXX which they had access to when I was opening the account ). 

Although I have no negative activity with XX/XX/XXXX I sent back a reply asking about my deposit and even offered to provide them an account they could direct pay the account to. 

I am very familiar with how card holds work. There is nothing stopping Iberiabank from simply releasing the hold on my funds. Instead they told me I was approved for an account, had me pay the deposit and then changed their mind ( their right I suppose and not what this complaint is about, even though I would suggest you look into that deceptive practice ). 

Now they are hold my funds " hostage '' for an account they admitted in writing to me that they were not going to open. I have the means that this hold will not cause financial hardship, but Iberbank should have to answer as to what possible reason there is not not release the hold on my funds. And " it will drop off '' which is true, should not be accepted by your Agency. 

This is a text book case of violating promissory estoppel. All elements are met and the damage element is the fact I don't have access to my funds that I would have had access if Iberbank would have opened the account as promised or promptly lifted the hold on my initial deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
This Bankruptcy on my report is hurting my score please help. it is appearing as a public record can you take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: SYNCHRONY FINANCIAL
State: GA
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/XXXX I sent XXXX 609 letter asking them to provide me with original documentation from two companies ( XXXX XXXX XXXX and XXXX/Walmart ). They responded to my dispute in a timely manner ( XX/XX/XXXX ), however they did not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) or promptly delete inaccurate information as it states under Section 611 ( 5 ) ( A ) of the FCRA. Their response was " The company that reported the information has certified to XXXX that the information is accurate. '' XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, in response to the 609 letter from XXXX, stating they were unable to locate my account because the credit bureau doesn't disclose the full account information and asked me to help verify the debt for them. I sent this letter to XXXX and ask them their methods of verifying the accounts and how was this account verified if XXXX couldn't verify it. How can they certify to XXXX that the information is accurate. XXXX  didn't respond. 

XX/XX/XXXX, I received a letter from XXXX XXXX XXXX in regards to the XXXX/Walmart account that is reporting on my report. Included was a letter from XXXX stated that the account was sold to XXXX XXXX XXXX and I should address my concerns with them. XXXX XXXX XXXX told me they received and processed my dispute ( 609 letter ) and the information is accurate. Failing to provide me with a original contractual agreement that I am obligated to pay the balance that they say I owe. They sent me information that can be publicly access through my credit report, via permissible authorization because they're a collection agency. 

All parties have FAILED to provide me with the information I asked for which is : Original physical documentation that proves that I owe the debt : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : These are violations Violation of the Fair Credit Reporting Act and Violation of the Fair Debt Collection Practices Act and as a consumer I am highly upset and offended that these companies do not take the law very seriously.

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: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company I.C. systems is threatening and attempting to damage my credit By reporting the same credit for the same company on a weekly basis. I have XXXX XXXX and I am getting alerts each week since XX/XX/XXXX in which this company is hitting my credit each week for the same debt. I have the account in dispute from XXXX in which they are charging me for services in which they never rendered. I requested transcripts and the calls to be heard of the multiple times I called disputing the charges to the company for them not giving me the product I requested and was never able to use. The debt collector is now threatening my credit and doing illegal reporting weekly for the same debt. I see this as being abusive action.

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 2021-07-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have these accounts that are not mine and i want them to be remove from my credit report asap.

1. Identity Theft SANTANDER BK Account Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

5. Identity Theft 08 XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-04-23
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Third time Freedom Mortgage is attempting to force place expensive insurance. I have owned the property since XXXX the property is not in a flood zone. XXXX approved the elevation certificate and it has never needed flood insurance. Freedom has serviced the loan for 3 years and this has never been an issue. 2 previous servicers never required flood insurance. 

It is impossible to reach anyone at Freedom. Their customer service is awful. Call wait time are always over an hour. They are a nightmare to deal with. 

With Freedom it is a continuous cycle of trying to rip off mortgage borrowers. I now have to waste my time and effort to try and get this straightened out. My time is valuable too.

Enough of the scams.

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 2021-07-11
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: Information belongs to someone else

Complaint:
The following credit inquiries listed on my XXXX  and Experian credit report are all fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXXXX/XX/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 2017-08-11
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
after viewing my credit report  in XXX 2017 i noticed their were a few items on my file in which i did not apply for nor authorized. i reached out to the companies as well as the credit bureau to dispute them. i obtained a police report and sent to the collection agencies as well as a dispute letter asking for verification bearing my signature. they did not send the verification but in XX/XX/XXXX sent a bill and a letter asking me to send in 2 utility bills and my identification. this is strange to me considering the fact that i sent them a dispute asking for verification in XXX 2017. It has now been well over 30 days and i have not received the verification and the incorrect information is still on my file. This is totally against the law and against FCRA rules. I also reached out to XXXX whom is the original creditors but  there was no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO XXXX XXXX  XXXX. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently submitted a previous report in which was disregarded and was not resolved. I submitted all needed documentation along with my personal information. I am asking this account be removed this account from my file as the amount of {$26000.00}. as Well as another account under the same name XXXX XXXX XXXX being reported as the amount of {$9600.00} does not belong to me. BOTH accounts were fraudulently opened through this company XXXX XXXX XXXX XXXX as someone stole my identity in XXXX of XXXX and XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire BOTH ACCOUNTS. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter as this is causing major issues yo my personal file and great financial troubles during this time.

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 2021-07-11
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have used Venmo for several years. 
My bank funding sources randomly become blocked on the Venmo platform and Venmo 's response has been to use another bank. They provide no explanation nor solution other than to use another bank. 
I have used XXXX XXXX  and XXXX XXXX  as my funding sources, and my accounts with those banks have been successful in using Venmo ( for months at a time ), then all of a sudden, my transactions using those banks, become blocked. No reason, no explanation and no solution has been offered by Venmo other than to use another bank. 
I have used 3 different accounts that I hold at XXXX XXXX  and XXXX XXXX  and I find this to be unacceptable. 
I have called my banks and both say the problem is not on their end and in my contact with Venmo, they say to try again or use another bank. 
I am being discriminated against for unknown reasons and I want my bank accounts with domestic US financial institutions to be accepted for transactions ( again, they worked for months, are valid, but now, all of a sudden, Venmo has blocked them ). 
My most recent request # with Venmo for this issues is XXXX. 
Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: JPMORGAN CHASE & CO.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Chase approved rate@2.99 but car financing dept. raised it to 5.99 but told me 5.99 was what I was approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: LEXISNEXIS
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I reported a hit and run to the XXXX XXXX ( XXXX ), policy number. The accident occurred while my car was parked at the trailhead in XXXX XXXX, OR. I was not present this, the accident was ruled at no fault to me. 

On XX/XX/XXXX, I contacted XXXX XXXX for an auto insurance quote. XXXX XXXX provide a quote based on what they claim is a listing on Lexis Nexus of an at fault accident occurring on XX/XX/XXXX. I contacted the XXXX XXXX XXXX demanding to know why the accident was reported as my fault. Supervisor XXXX stated Lexis Nexus is misreporting as I have no at fault accidents in my driving history. 

Not only is Lexus Nexus misreporting the accident, they list over a dozen aka fir ne and an address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. I have never used aka or this address. I contacted my creditors and none have reported this address. Lexis Nexus is allegedly committing fraud. 

I was a victim of identity theft. I was arrested for this woman 's warrant as she used my driver 's license during an arrest which merged our data. Fingerprints were compared an I was released on the warrant as mistaken identity. Lexis Nexus has dozens of arrests that do not belong to me. XXXX, XXXX, XXXX. They report 22 aliases which are not mine. 85 % respectively, of their profile regarding my life is alleged fraud. 

I have sent dozens of letters to Lexis Nexus demanding correction of the false data, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
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: Information belongs to someone else

Complaint:
I recently applied for a car loan but was denied because of XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX that still appear on my credit report as paid late. The accounts were disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the accounts are being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible

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 2018-11-22
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 belongs to someone else

Complaint:
I recently applied for a car loan but was denied because of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that still appear on my credit report as paid late. The accounts were disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the accounts are being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible

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 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX reporting unknown inquires

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 2018-06-16
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was cancelled by XXXX XXXX last year. I reported it to you and the Bank removed it from my credit report. It is an extremely old debt and over the time to collect. Now they have turned it over to another collection agency to harass me. The debt collector calls and speaks derogatory to me and intimidating me to pay this bill that does not exist. XXXX should be aware of this tactic and get rid of this debt since this issue has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 had a monthly subscription to XXXX XXXX XXXX. I cancelled this recurring charge in XXXX. On XX/XX/XXXX, I was charged again, not for one month but for two months this time. XXXX, the company charging me, has no record of a current account with them. So I disputed with Capital One. They reached out to XXXX, who said they have no record of a cancellation, even though they told me there is no record of an active account. 
Capital One overturned my chargeback and charged me for this. I was able to find verification of my cancellation, but it was only an email that came at the end of my subscription -- which came XX/XX/XXXX. I submitted this to Capital One, but after seeing the date of the email, they refused to consider it further, even though it was not the email I received upon cancellation ( I could not find that email. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with Bank of America ending XXXX using my checking account at Bank of America ending XXXX, the payment was not applied correctly and I have been calling many times in order Bank of America make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, Bank of America is reporting negative information to credit bureaus hurting my credit scores. Bank of America did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.

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