BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have spoken to a couple of agents at Capital1 regarding 2 " cash advance fees '' of {$10.00} each. However, I have not cashed any money from my account, nor used any service authorized to access my cash advance limit. and I have an available credit limit so no need for any company to use a cash advance limit. They were unable to explain where those fees came from, did not offer to credit the fees back, and were not willing at all to try to find a good explanation. XXXX from XXXX center was not willing to work on the issue and hang up the call when I asked her several questions that she was not able to answer as she did not have done enough research on the issue. This card is not having unauthorized transactions from my side but is just being charged those fees directly from the bank without any reason. 
I have not done any cash advance transactions at all. XXXX from XXXX, FL center as well does not seem to help and was very rude in trying to work this issue. XXXX, XXXX, FL. XXXX, a fraud supervisor, has been asked to open a fraud ticket, and she also did not open XXXX, and have not suspended the wrong fees for investigation. I've been very clear to all of them that there were no cash advance transactions ( they then stated an app named XXXX was used for this purpose, and it was used to refill a pre-paid cell phone of mine. Never using cash advance limits but regular limiits, and any fees related to credit avance are unauthorized and fraudulent. Even the {$10.00} ( total {$20.00} ) charged by Capital 1 are fraudulent, illegal, a scam, and I hereby request a refund. XXXX states they do not charge any fees and do not use credit card cash advance limits, but regular credit card limit available specially to refill pre-paid phone services. 
This is not the 1st time I have problems with C1, but this time, this is too much. I demand redress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26
Company: Critical Ideas, Inc.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/23 I joined Chipper Cash ( hereafter referred to as " *CC '' ). It took a couple tries to get my acct verified, then I sent {$670.00} to my loved one in XXXX, XXXX XXXX, who I've been supporting for over 12 years. He received it immediately & used it. It hadn't been deducted from my bank acct a week later, so I emailed *CC. 
I've emailed them at least 25x ( with responses from 8-12 different names all on the same thread - some auto-generated & some actually written ). I've also called them 8-10x. The first time, a lady answered & got rather snippy w/me, but every other time a guy named 'Kano ' answers . ( He calls this 'an edge case '. ) I've also contacted my local bank branch 2-4x & the bank headquarters at least 3x. They tell me that *CC tried to access my SAVINGS acct ( vs CHECKING ), so I informed *CC of this - TWICE. The 2nd time, they emailed me right away & said it was fixed, so I tried again to 'load ' {$670.00} on the app, & it seemed to process. That was weeks ago, & it still hasn't been deducted from my bank acct altho it SHOWS that I added {$670.00} both times. 
I tried to 'stop payment ' thru my bank, but they CAN'T bc there's no record of *CC trying to take the money! I'm wondering, if *CC DOES become able to withdraw the payment, will they take it TWICE ( since the app shows that I added it two different times 2 months apart )?

It seems that, since I owe THEM money, THEY'D be anxious to GET IT, but they've treated me as if I'M trying to get money FROM them. 
So crazy!

Company response to consumer: Untimely response
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: AL
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-15
Company: Amsher Collection Services, Inc.
State: CA
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:
have never done business with this company who has put an 11 year old debt on my credit report that isn't even mine. when i called the company they said that they would not be taking it off my credit without a payment. this is a violation of 15 usc 1681n

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Allied Collection Services, Inc. (Nevada)
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: Their investigation did not fix an error on your report

Complaint:
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XXXX  Reporters XX/XX/XXXX EXXXX  XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX   XXXX Miscellaneous XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX BANK All Banks XX/XX/XXXX XXXX   XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX   XXXX Bank XX/XX/XXXX TransUnion XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ExXXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion LXXXX  - XX/XX/XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX Reporters XX/XX/XXXX XXXX XXXXXXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX  XXXX - XX/XX/XXXX XXXX   XXXX CARD - XX/XX/XXXX XXXX   XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Finance - XXXX XXXX   XX/XX/XXXX XXXX XXXX CARD - XX/XX/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 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2019-10-31
Company: CHARLES SCHWAB CORPORATION, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello, I went to Schwab at in XXXX on XXXX XXXX to open an " checking account '' and credit line. I filled out the application with XXXX XXXX-personal banker specialist and I also provided 2 years of family wealth that I get from XXXX XXXX XXXX XXXX. I own a property for 13+ years which is on the market now and the proceeds of $ XXXX. 

I went back the next day. XXXX never called me, the account was closed, I spoke to the bank manager and he wished me will and never helped me his name is XXXX XXXX. 

Schwab gave me the reason the account was closed was that XXXX was reporting it couldn't be opened. 

I have had identity theft and a police report so I have never reported to XXXX or corrected anything with them. I do have a file number with XXXX and I believe we are still working through issues. 

The account should be opened with a credit line. I have contact their customer support to escalate the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 ; XXXX and Transunion are reporting incorrectly a late in XX/XX/2018 on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am in school and these loan payments have been deferred and therefore there are no late payments to report. This incorrect reporting of a late is harming my credit score and these lates need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2021-04-10
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I leased a car through Santander consumer and I found out after it really came from XXXX XXXX XXXX. I lost my job kept up with payments but asked for some type of deferred payment. I was led on that after another payment I would get relief it never happened. A few months after my car got stuck in garage and I had to rent from XXXX and it was because someone from the dealership I got car from tried to break in my garage n damaged it. I had to rent from XXXX  they started embezzling funds from my credit card an not releasing my deposits. The manager refused to call me back or fix the issue and they restricted me as a result of me calling corporate. I later found out my car that is stuck in garage is from XXXX an that was why they were stealing funds from my card illegally. XXXX keeps hacking into my credit card account or know someone from my credit card account and are messing with my account an even overdrafted my account. Threats continuously everytime I call corporate because no one calls back to resolve the issue. Its been a year I have been fighting this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-02-18
Company: EQUIFAX, INC.
State: WA
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:
Equifax is allowing XXXX XXXX XXXX  to continue to report false information on my account. This is the 8th attempt at getting them to remove any balances owed to XXXX XXXXXXXX XXXX. I have paid them off in full both accounts. They continue to report a balance owing, as well as a fraudulent high balance and late status. As you will see on my credit report, I was never late, and paid them in good faith in full. XXXX XXXX   account number # XXXX XXXX XXXX XXXX And XXXX account number # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Credit Karma, LLC
State: IN
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have been directed to apply for credit cards thru credit karma thatbibwas pre approved for and then denied and it caused my score to go down from a hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: CO
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this 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 2019-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
Last XX/XX/2018, I called Transunion to alert them that the available credit on a XXXX XXXX card in my name had been raised from {$15000.00} to {$20000.00}. I did not consider this to be a dispute, but quizzically they did and in response, they removed the entire credit card account from my file, which significantly decreased my available credit with respect to my credit score, thus negatively impacting my credit. They then made me go through a bunch of unnecessary hoops and obstacles, that involved spending hours on the phone with them and XXXX. But I did everything that they asked and by XX/XX/XXXX, everything should have been straightened out. XXXX assured me that they were reporting the account to all three credit bureaus, which I believe to be true because the account shows up on my XXXX and XXXX credit reports. However, Transunion is refusing to include this account in my credit profile, and thus, it continues to negatively impact my credit score as it dramatically reduces my available credit in their score calculation. They have spuriously tried to blame XXXX for the " error '' but I believe XXXX has correctly stated that it is reporting the account to all 3 credit bureaus, as the other two credit bureaus list the account in my profile. Even more frustrating, Transunion is aware of the account and still acknowledges its existence, but since I reported the credit balance increase in XX/XX/XXXX they simply decided to remove it from my profile and refuse to re-insert it. I find this decision of theirs to be arbitrary, nonsensical and harmful to my credit profile.

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 2019-11-07
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We opened a petty cash account with our other accounts at Wells Fargo so my wife could buy groceries or make other small purchases without accessing our main checking account which we used to pay for our larger monthly expenses e.g. mortgage, car payments, etc. 

We hadn't used the account in a few months and I noticed we had a small negative balance. When I checked I saw a {$30.00} fee being assessed monthly over the prior three months or so with no other charges. 

When I inquired with the bank on the reason for the fee, they advised it was associated to the type of account being a premier portfolio account. I advised that was an error and we only used the account for petty cash purchases. 

The representative apologized for the error and reversed the maximum of the fees she could access and noted the issue would need to be escalated and addressed by the investigations team, as it extended back over years. She further advised the issue would be resolved in a few days. I waited a week and checked to see if the fees had been returned, but they had not. I called the bank and was advised that no investigator had been assigned to my case but would be assigned soon. I waited another week and again contacted the bank and was again advised no investigator had been assigned, When I asked the representative to speak to a supervisor. I was told that supervisors did not speak to customers. I called the main customer service number and they escalated to the executive office and I was told once again that an investigator would need to review the case, but no time frame could be honestly provided. I was told I could call periodically to obtain status. 

It has been almost a month and a half since I first called the bank and the fees are likely close to a {$1000.00}. It would be very helpful to have them reimbursed before the holidays.

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