BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I bought a temporary XXXX XXXX XXXX XXXX XXXX debit card from XXXX on XXXX, paying {$500.00}. However, the debit card that the XXXX associate handed me was the wrong card. They kept the actual card that got activated. Therefore, I requested and was promised a refund from InComm when I called and filed a case about it. InComm ignored my initial request on XX/XX/2023, so I filed another case XXXX  XXXX on XXXX with XXXX, and submitted documentation. Nothing happened. I called InComm on XXXX and spoke with XXXX. XXXX said that the back office team issued a refund check in XXXX. I never received a refund check. XXXX escalated the case and promised a response by e-mail in two business days. I never got an e-mail. I called again on XXXX and spoke with XXXX. He said I would get an e-mail. I never got an e-mail. I called again on XXXX with XXXX. She said " a team '' would look into it and see what actually happened. I did not get any follow-up and still have not received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2001 with an amount of {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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: Their investigation did not fix an error on your report

Complaint:
Experian is updating incorrect information about fraudulent account from XXXX. The XXXX account has no account number in my credit file. There's no signature by me agreeing to the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have {$170.00} in my Venmo account ( service owned by PayPal ) since XXXX, but Venmo is preventing me to use my own money. 

I can't transfer the balance to my bank account, neither to other Venmo users. 

I already asked for help with Venmo support, but emails took days to get answers and no solution was provided, only walkarounds that don't solve. 

Support asked me to register my bank in XXXX, I have tried both options without success. 

In the " Instant Verification '' option, my bank ( XXXX XXXX  XXXX, XXXX  ) isn't in their database, so the system doesn't allow me to finish the setup to make the transfer. 

In the " Manual Verification '' option, after input all data, Venmo doesn't go ahead to finish the process. 

It's kinda bug because my husband has the same bank registered in his Venmo. 

I also have tried to transfer the balance to my husband 's Venmo account, but the XXXX always asks to register my bank account prior to allowing me to transfer, even with the balance available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Chase has made it nearly impossible to redeem travel credits from previous bookings made via Chase XXXX. 

After calling to have a new ticket issued from previous travel credits I was told it would take 5 days to receive an email confirmation. Five days lapsed and no confirmation. Then I received an email from Chase stating that XXXX XXXX cancelled the flights I booked, which was not true per my review of scheduled flights on the XXXX website. Chase clearly misrepresented the facts in a deceptive manner. 

I called Chase to resolve the issue, which they were incapable of doing, after spending 70 minutes on the phone, nothing was accomplished and their representative could barely even find the travel record. He indicated that they could rebook the flight but it would take 5 days as they would need to request a review of my prior call recording - for some reason it takes them 5 days to access a digital call recording, this should be instantaneous. 

It seems clear to me that Chase has built its processes to include as many bottlenecks in the process to intentionally frustrate travelers with the hope of reducing rebookings. 

This is highly unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had this account for several and was in good standings with a credit limit of {$4000.00}. Approximately 3 years ago I did experience some financial issues and a few of my payments were returned by my bank for insufficient funds. Upon notification from my creditor, I immediately made restitution and correct the payment error in a timely manor. Shortly afterwards the bank made the decision to close the account. Although the account was closed, i continued to make my payments in a timely manner and paid more than the minimum due.The creditor switched banks and I was given a new credit card to use and the card was closed shortly after wards staying it was sent in error due to deragitory information received from the former bank. Tried calling both companies to determine the information reported and kept being told that I need to call the other company as the new company did not have any history on the account. When I call the former company, they too refer me back to the new company. However, I tried to make my monthly payment as my due date with the former company was XXXX of each month. Their online system shows I have a XXXX balance and said no payment due, I do know I owe at least {$2500.00} and I am at a loss as to how to continue to make the regular payment.`The company is Walmart and is now merged with Cpital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Bread Financial Holdings, Inc.
State: MO
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:
On XX/XX/XXXX, my online XXXX XXXX account was compromised and someone made a purchase for {$600.00}. The item was picked up via curbside according to the XXXX XXXX website. I immediately contacted Comenity Bank. Today, XX/XX/XXXX, I noticed a chargeback to my account on XX/XX/XXXX for this transaction. I called Comenity and they said I was liable. I dont know how that could be, my phone was stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2019 I disputed some inaccurate information on KOHLS Card with  XXXX, XXXX and XXXX. I do not agree with the information that was verified by KOHLS Card to these three agencies. I would like Kohls to verify the full account details they VERIFIED and reported back to the investigation requested by XXXX, XXXX, XXXX for XXXX and XX/XX/2019,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Consumer Adjustment Company Incorporated
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
Had fraud account have sent in police report to company and they still have failed to get this issue resolved. If this matter is resolved I will pursue 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 2019-11-05
Company: EQUIFAX, INC.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Personal information incorrect

Complaint:
In Accordance with the FCRA section 611 this address is not my address and i am not familiar with it, kindly remove it. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: TOP FLITE FINANCIAL INC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to do a debt consolidation mortgage refinance and I came in contact with Top Flite Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone # XXXX I was working with XXXX XXXX in their office. Things were going along fine when he informed me that I had to enroll in their bi-weekly mortgage program in order to qualify for the loan. He told me I needed to keep the program for a year, then I could cancel it. 

I found a more reputable company on line, XXXX XXXX  XXXX XXXX who educated me on what Mr. XXXX was attempting to do. They promote this bi-weekly program but don't ell you it costs a full payment to enroll in. In my case over {$2000.00}!!!! They never told me that. The reason I had to keep it for a year is it takes a year for Mr. XXXX to be paid from the bi-weekly company. 

I further found out that several mortgage representatives at Top Flite sell the exact same program the exact same way, duping people in to thinking they are required to enroll in bi-weekly plans. 

This company is a scam, thought they promote their " customer service. '' Spread the word!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Here is a copy of the letter that I emailed to the company today. I tried to contact XXXX XXXX XXXX but their website does not allow the submission of letters with any type of punctuation and I felt that my submission would be grammatically incorrect and mis-founded. 

XX/XX/2019 XXXX XXXX President and Chief Executive Officer Regions Bank Corporate Headquarters XXXX XXXX XXXX XXXX XXXX, Alabama XXXX FDIC Field Office : XXXX FDIC Supervisory Region : XXXX, GA Federal Reserve District : Washington Re : Bank Statements Dear XXXX, I have difficulty making deposits for a family member on a personal account that they have with your bank. When I researched your bank insurance information online from different websites I found conflicting information. Some of the sights show that you are FDIC insured and others show that your customer accounts are not : Investments, Annuities and Insurance Products Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition of Any Banking Activity Only bank deposit products are FDIC insured. 

Member FDIC. 

Your companys profile ( file : /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) shows that you are FDIC but that your main focus is, Commercial Lending Specialization which may be why I get nervous every time I walk into the bank to complete even a small deposit. Also, your customers bank statements do not reflect personal ownership, meaning their name is not listed on the bank letterhead with their account number. This leads me to believe that you are not properly insured for consumer personal account and that anyone can use the funds from someones personal account without a transaction being easily traced. I have had an account with Regions Bank in the past and I always had an accelerated urgency to spend my funds as soon as I deposited money into my account which caused fees. In a small town or city the customer is being targeted if they can not determine how often they spend their personal funds or in what order their purchases will be paid. 

To resolve the problem, I would appreciate your action properly insure consumer accounts against fraud from the bank employees as well as the general public, discretely indicate on bank statements that a customers account number belongs to them, allow the use of first, middle, and last name ( and/or initials ) on bank accounts and statements to insure that two individuals with the same name or initials do not get their funds mixed up. 

I look forward to your reply and a resolution to my problem. 

Sincerely, XXXX XXXX XXXX, Attorney Pro Se, XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2019 2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act XXXX Card Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information other than the records of conviction of crimes which antedates the report by more than seven years o 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-11-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I sent a letter with a copy of my Department of Veterans Affairs ID card, and a copy of my Social Security card, copy of bank statement and two letters showing proof of address to request my free credit report from Equifax on XXXX XX/XX/2020. Sent a certified letter with a copy of my Department of Veterans Affairs ID card, and a copy of my Social Security card, copy of bank statement and two letters showing proof of address on XXXX XX/XX/2020. Equifax refuse to update my address and send me my free credit report by mail, yet they was billing me for online access to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: ENCORE CAPITAL GROUP INC.
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: Account information incorrect

Complaint:
On XX/XX/XXXX, there was a summons placed under my door. It turns out that this summons was from Midland Funding, LLC, and was done with improper service since no one gave the summons to me or a resident of the apartment I reside. Nevertheless, since receiving this summons, I have looked into my credit report and noticed some discrepancies regarding Midland Funding, LLC, on my XX/XX/XXXX, and XX/XX/XXXX credit reports. For example, although it says in my summons that Midland Funding, LLC has acquired my debt from XXXX XXXX XX/XX/XXXX, the amount that Midland Funding, LLC is trying to collect does not match the amount allegedly owed to XXXX XXXXXXXX XX/XX/XXXX( see XXXXXX/XX/XXXXsold-to-midland-funding.pdf ). Basically, according to my XXXX credit report, XXXX XXXX XX/XX/XXXX allegedly claims that I owe {$XX/XX/XXXX} ( although this is disputable since my credit limit was {$XX/XX/XXXX} ). However, according to Midland Funding, the amount allegedly owed is {$XX/XX/XXXX}. 

Furthermore, XXXX XXXX XXXX lists my original account number as XXXX. Yet, Midland Funding has my account number as XXXX. Therefore, it appears as Midland Funding, LLC is attempting to collect a non-validated debt through a fictitious account number that never existed in the past. Furthermore, since learning of this, I have since opened a credit dispute with XX/XX/XXXX and XX/XX/XXXXXXXX regarding Midland Funding, LLC 's claim. Concerning XXXX, Midland Funding 's record was deleted, and my credit score immediately increased by 10 points ( see Direct Dispute _ XXXX XXXX ). However, the dispute decision from XXXX can take until XX/XX/XXXX ( see Dispute Summary - Online Dispute ).

Company response to consumer: Closed with explanation