BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a purchase at XXXX on my credit card for a trip that ultimately had to be canceled due to COVID-19. After several weeks of attempting to contact XXXX I called Capital One to file a dispute. They opened the dispute and shortly after, I received confirmation from the merchant they were processing a refund. 

I contacted Capital One to reverse my dispute but they said I had to wait. For some reason, Capital One also credited my account two times for the dispute. I contacted them to get this corrected on XX/XX/XXXX and XX/XX/XXXX and both times was told I would just need to wait for those credits ( disputes ) to be reversed. So in short, my account had 2 credits for the dispute and the refunds from XXXX. 

I attempted to get a check issued for the refund, the money I am rightfully owed several times. Now, they have reversed the disputes in an amount equal to 4X ( recapturing the dispute 4 times ) and also captured the refund on my account. 

I should be entitled to a refund check but it appears, when I log into Capital One that I owe them money. 

I contacted them again today to get it fixed and they opened a new case but they said it could take a month to resolve. 

I have been trying to get the money I am owed back for several months now and they just mess up at every turn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to discuss a negative report on my credit due to missed payment. I spoke with a representative who reported that the entirety of my balance was reported to the credit bureau and that the account is no longer in collections and that the report to the credit agency will remain in place for XXXX years. I have consistently paid this card and all other balances with a XXXX XXXX payment history for all accounts and did not receive any contact from the bank until XX/XX/XXXX. I immediately paid on the balance and made a total on {$1600.00} toward the card. I received a letter in the mail stating a past due balance of {$330.00}. However, I was told that the reported balance to collections was {$6600.00} and XXXX would make no attempts to resolve the issue with reporting to the credit bureau. I have been dealing with documented XXXX XXXX for the past year and been on restricted income since the end of XXXX, however, I have been consistent in keeping my payments to all accounts. I believe that the delay in action to contact me and the comments made by the representative of XXXX are in direct conflict with fair and equal credit reporting and consumer assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was logged into my TD Bank online account for my TD checking on XX/XX/XXXX. When exiting online session I was presented with online ad for the TD Bank XXXX XXXX  open a new TD savings, deposit $ XXXX in new money within 20 days and keep on deposit for 90 days to receive {$200.00} bonus. Sounded great so I opened online on XX/XX/XXXX. I made the $ XXXX deposit on XX/XX/XXXX in person and asked XXXX to confirm my eligibility for the promotion and she said I was " all set ''. On XX/XX/XXXX I sent a message thru TD Secure Message center as I did not see the {$200.00} promotional credit. I was told in a reply that the $ XXXX deposit was 6 days after deadline but that was not correct. On XX/XX/XXXX I told them to review calculations as I made deposit on day 17 before the 20 day deadline. They confirmed the calculation error and I was then told it should be credited later that night. It was not. On XX/XX/XXXX I called TD call center. XXXX said he agreed that conditions were met and didnt understand why it wasnt credited. Said he would escalate to XXXX  and it should be credited shortly. It was not. On XX/XX/XXXX I called call center at XXXX spoke with XXXX  but got unexpectedly disconnected. Called back at XXXX spoke with XXXX but got unexpectedly disconnected again. Called back a third time at XXXX spoke with XXXX who claimed there was no record whatsoever of XX/XX/XXXX call ( although I got an email Survey from TD Bank for the XX/XX/XXXX interaction ). I asked to speak with supervisor and was transferred to XXXX who now claimed that promotion was only eligible for brand new customers, not existing customers. I have screen prints of all promotion details that were presented during my online session and there is no notation that promotion is only eligible for new customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX TN ) Acct # XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Acct # XXXX .... XXXX  Acct # XXXX that is listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 credit bureaus. How can one account be opened on different days? I want these alleged accounts in question to be removed from my credit report immediately.

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 2021-02-28
Company: Persolve, LLC - Legal - Series 2
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
PERSOLVE LEGAL XXXX, pulled my credit report without my permission. I do not know who they are and only knew of this breach because I have credit report warnings due to being involved with two different credit breaches. They have not contacted me by any means, so I do not even know what they are even after. Is it proper for them to pull a credit report before even making a demand?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX charged off my credit card without notifying me in 2018. When I called them they said it was too late. 

I've received relentless calls from the debt collection agency who has taken over the debt. 
I've told them on several occasions I wasn't going to pay the debt because I disputed it and to please stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 filed a complaint with CFPB case # XXXX. XXXX XXXX responded to consumer and CFPB stating that the bankruptcy had been removed. XXXX, XXXX, and Transunion all responded saying that they had verified the information with XXXX XXXX. XXXX XXXX is saying that they have not heard back from XXXX, Transunion, or XXXX during the entire investigation process.

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 2021-02-28
Company: Prime Recovery LLC
State: CT
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:
For the past 2 weeks, consistently, Prime Recovery LLC has been calling and texting my father incessantly. I went on to their website to confirm my contact information with them and requested that they remove any other numbers or contacts associated with my file and to stop harassing my family and friends and it has not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX TN ) Acct # XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) Acct # XXXX .... XXXX Acct # XXXX that is listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 credit bureaus. How can one account be opened on different days? I want these alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CITIBANK, N.A.
State: IL
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:
I contacted Citicards on XX/XX/XXXX three times. Each time the representative did not address my problem. The last representative said theres nothing we can do and we dont deal with interest charges. I also chatted with them and they confirmed that there was an error with the interest charged My problem is I was charged interest on purchases that were returned or credited by the merchants. The airline lost my luggage with everything in there and Ive had to return stuff. XXXX sellers were also were sending me the wrong items or they were damaged when I was receiving them. The first interest charge is {$19.00} on XX/XX/XXXX, XXXX was {$59.00}, and {$130.00} on XX/XX/XXXX and XXXX on XXXX, and You can see the refunds in the statement credits. Please recalculate the correct interest rate. Like for XX/XX/XXXX there is a positive balance left. The total after refunds and credits was around {$140.00}. Then there was an autopayment for XXXX. Also On XX/XX/XXXX the total balance due is XXXX after everything that is not {$130.00} dollars in interest. 

Herea my chat with them You at XXXX, XX/XX/XXXX : citi charged XXXX in interest charges however a lot of merchandise was in the process of being returned so the credits posted later in the month so i am being charged an interest rate for purchases that were later credited by the merchants. Like I ordered stuff from XXXX and XXXX but it was defective so I had to return it XXXX XXXX at XXXX, XX/XX/XXXX : Thank you so much for explaining in details as this really helps us! 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX INTEREST CHARGED TO STANDARD PURCH {$19.00} Please let me see if I could do anything on this. 
I will do my best. 
You at XXXX, XX/XX/XXXX : im talking about XX/XX/XXXX the interest was charged on a XXXX order from XXXX XXXX XXXX which was later credit3ed on XX/XX/XXXX by the merchant XXXX XXXX at XXXX, XX/XX/XXXX : Please let me pull up your old card details. 
You at XXXX, XX/XX/XXXX : same with the XXXX order from XXXX XXXX XXXX at XXXX, XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX INTEREST CHARGED TO STANDARD PURCH {$130.00} You are right, there are couple of returns on the account. 

I see the interest was charge on the previous card and as this card is no longer in use, it will not let me work on that. 

No worries, our account specialist team would have the access on this. 

Let me share the best number to you. 
The number for our account specialist is XXXX ( TTY/TDD : XXXX ). This department is available 24 hours a day, 7 days a week. 
I would also be right here with 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 monetary relief
Consumer complaint received 2021-01-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a vehicle from a dealership ( XXXX XXXX Auto Mall outside XXXX Ohio ) at the end of XXXX. They sent a payoff check to Toyota financial services in the amount of XXXX. The first check they sent ( XXXX ), XXXX stated they didnt receive and requested the dealership stop payment and send a new one. So they did. The second check ( XXXX ) was cashed on XX/XX/XXXX. I have a photo copy of the cashed check, both front and back to show where it was endorsed, as well as the bank statement from the dealership showing it cleared their account. The dealership stated the check is part of an 8.5x11 piece of paper where the check is perforated and the customers name and account number are in the bottom half of the page. I started receiving late notices in early XXXX and contacted XXXX to tell them the check had been sent. They stated the check they attempted to cash ( XXXX ) had insufficient funds. Which is impossible because as I mentioned, I have proof it was cashed and cleared the bank. For 6 weeks now XXXX has been denying receiving payment. In turn, this has now hit my credit report as a delinquent account as well as my fathers as he was a co-signer. I was told on XX/XX/XXXX day by a customer service rep named XXXX that they had in fact found the check and determined that they cashed it but didnt know whose account to apply it to. So instead of calling the dealership to confirm what account this payment should have been applied to, they cashed it, took the money and went on with her day. I have now been waiting a week and a half for it to be applied to my account and for it to be settled. I will then have to dispute this with creditors and HOPE my credit can recover. XXXX has been incredibly unhelpful during this process and I personally think this is borderline fraud. They are taking money for themselves and not applying it to accounts appropriately. They should have DENIED the check if it didnt have proper touting/account information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: ALLY FINANCIAL INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Today I called Ally Bank to speak about a possible fraudulent transaction. The transaction was in XX/XX/2017. There were no other suspected fraudulent charges. 

The front line customer service rep made a mistake and canceled my current card without my permission. 

Normally this wouldn't be a problem but I am traveling to XXXX in less than a week. There is no way that they can send me a replacement card by the time that I leave - or realistically during the first part of my trip. International shipping can take a couple of weeks. 

Spoke to the supervisor and the only solution presented was to use the current card as an ATM card during my trip. 

It makes no sense that a card would be deactivated without my express permission. It is my money please allow access. 

There is a distinct possibility that I could end up across the world without access to cash. 

This should not have been done without permission. The company should overnight a card in an attempt to fix the situation. This is not going to happen.

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 2021-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the orginal creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Experian Information Solutions 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 status incorrect

Complaint:
The three credit report bureaus keep saying that my score is lower than it should be because of a delinquent payment. They cite a 30 day missed payment in XXXX to XXXX XXXX. This is inaccurate. XXXX has no record of it a missed payment. I would like this off my account so it is not affecting my score.

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 2020-05-12
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
On XX/XX/2020 I called into Macy 's DSNB to advise that I would be unable to make payments on my account due to Covid 19. I was told by the representative that they currently did not have a covid 19 plan in place but there would be notes on my account notating that I was affected by a natural disaster and requesting deferment. I asked if in the event that I was note able to make a payment would there be any negative reporting to the credit bureaus and she said no. She noted that I would receive a letter confirming my request for deferment due to natural disaster. I never received said letter. On XX/XX/2020 I received a notice from XXXX  that this Macy 's DSNB account was reporting 30 days late. I immediately called to see why the account was reporting delinquent even though the prior agent advised me that there would be no negative reporting to the credit bureaus. The agent with whom I spoke on XX/XX/XXXX advised me that at the time of my original call that Macy 's did not have a COVID19 plan in place and that said plan was not in place until XX/XX/XXXX. She did place me on their COVID19 deferment plan. When I advised her of the negative reporting to the credit bureaus she told me that she would report the dispute to Macy 's credit reporting department at XXXX and that they would be giving me a call the following week to confirm that they will be removing the 30 day late notice on the account. I have yet to receive a call so I called back to the Macy 's  main credit card servicing line at XXXX to follow up on XX/XX/2020. The new agent with whom I spoke told me that the agents in that dept would not be back to work until XX/XX/XXXX. So I am really getting conflicting information as to who to call and with whom to follow up and on how to get a resolution on the negative reporting of which I was originally told would not occur due to the economic COVID 19 pandemic

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 2021-02-28
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I received a email about a home loan I supposedly applied for I did not apply to any loans I am not looking to buy any homes and the inquiry is on both of my reports this is a error and I pray and home nobody has my info and is trying to purchase a home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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/2021sent a dispute letter to Trans Union. I have yet to hear from them saying if they even received the letter. It will be 30 days on Tuesday. According to the fair credit reporting act a bureau has 30 days to investigate a dispute letter. I demand that this company does their job!

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 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was informed by a auto dealership that my Trans Union Credit report stated my XXXX XXXX was reporting as a repossession and written off as a bad debt. The vehicle was not repossed and I was making payments on the vehicle. When I contacted the XXXX XXXX company they reported I was current, and had no idea why Trans Union would report that and not have me as current. This major error has played a great role in me being denied for credit, and negativity affecting my credit score. XXXX contacted Trans Union and supposedly this has been corrected. How can I be sure of that? Also this does not change the fact it had hurt my credit score majorly.I expect some type of reversal of my poor credit reporting. And want to know if I can take legal action against Trans Union for compensation.

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