BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 rewards from credit card

Complaint:
Good morning! I opened Quicksilver  Credit card with Capital one onXX/XX/XXXX upon seeing their promotion of 200 $ bonus ( after spending 500 $ in the first 90 days ). I applied on Capital one website and was approved. On XX/XX/XXXX I called Capital one to verify if I reached 500 $ yet to get the bonus. Capital one representative told me that I was not approved for 200 $ bonus when I applied. In my opinion this is not fair. I have good credit score, never missed even one payment on any card that I have, this is my second credit card with Capital one. I also have a checking account with them. And most importantly amid Corona  virus pandemic I was counting on this bonus. They should not advertise this promotion. I have never heard that the company would approve you for a card but not for a bonus that goes with it. Please look into this further. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2020-04-03
Company: Delta Management Associates, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2020, President Trump signed the Coronavirus Relief ACT,  which stopped all student loan wage garnishments for 6 months. Delta Management Associates continued to garnish my wages after the law went into effect. They owe me a refund of {$640.00} for two paychecks that were garnished on XX/XX/2020, and XX/XX/2020. In addition, the Delta Management Associates should be held criminally responsible for breaking the law.

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 2018-08-13
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/18 I have paid my XXXX XXXX XXXX credit card, issued by XXXX Bank, account in full ( {$110.00} ) on XX/XX/18 and continued to get charges for late fees and minimum interest charge on an {$0.00} balance. This has happened to me on three separate occasions during the last 2 years. I received a call concerning a {$110.00} balance and was confused because I knew for a fact that the account had been paid in full. I did not understand what was happening until I pulled up my account online. I called the company ( XXXX Bank ) and was told that they would take the {$110.00} in fees off. I am complaining today because I know other consumers may be affected by this unfair banking practice by this company ( XXXX Bank ). Not only is this account affected by this unfair practice but my credit report has been affected as well as the company report late and missed payments to my credit report. 

Please Help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've contacted the credit company and the credit bureau about this false debt and they have failed to correct the issue. 

This is going on my 3rd written request asking to provide original documentation about the debt that they claim i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have sent several letters to Transunion about a negative report that is showing up in my credit profile. I am not going to allow Transunion to continue to violate my rights under law 15 USCa ( 2 ) ( b ).

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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/2023, XXXX fully XXXX my loans that were transferred to them by XXXX in XX/XX/2023. 

Unfortunately, XXXX has not updated the credit reporting agencies with this information. The balance and date closed fields have not been updated.

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 2018-08-13
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/2018 I refinanced my student loans into one. I consolidated about 5 student loans into one loan with XXXX Bank. One of my loans with American Education Services was paid in full and an over payment was due back to me. The amount of the over payment was XXXX. I received the over payments for all the other institutions except this one. I called and ask for information, all I was given was that since a 3rd party paid the loan off the refund was sent to them. I requested additional information, IE where the check was sent to, was it cashed, how me or my account was referenced and what documentation accompanied the check. They stated they would research this for me and get back to me. I received no calls from them and called back. Receive information the check was never cashed and their policy was refund to the 3rd party bank. Again i requested additional information, to be told I would receive a call back. Again, no call every made to me. On XX/XX/XXXX I spoke with XXXX Employee XXXX who told me they would refund the check to me directly and verified my address. It is XX/XX/2018 and i had yet to RECEIVE A REFUND.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-13
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Different collection agencys keep recycling old debt over ten years ago and keeps reporting on my credit report that it is a new debt the debt was sold to collections agencys over and over again and they are falsely reporting to credit agencys

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 2020-12-10
Company: Square Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I requested that CashApp pull money back from an individual I had sent money to because they were no longer providing the service as requested. The amount is {$250.00} and was sent to an individual on XXXX/XXXX/20. They told me that they can not do this. They do not allow for making complaints or even wanting to know if an individual using their service is abusing it. I requested this refund on XXXX/XXXX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: M&T BANK CORPORATION
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refinance XX/XX/2020. My file went to closing on XX/XX/2020. The closing agent, XXXX XXXX, all but refused to call anyone other than her contact at the title company for almost three weeks. She only called someone else once I complained to my loan officer, XXXX XXXX, and called the title companies in my area. She was informed by the manager of the title company her contact no longer worked there. She then sent the request to a local company, XXXX XXXX. After a few days I called the title company to ask about the progress and was informed there was no open order. I told XXXX and she told XXXX who finally called XXXX XXXX and was informed she was given the wrong contact information and had to resend it. On XX/XX/2020 she was asked some questions but didn't answer until XX/XX/2020 at which time she was asked if a survey was needed. She didn't answer that until XX/XX/2020 by having XXXX contact me to request the survey. I have had to resend documents because they expired and resign documents because they were wrong. Every time a request was made of me I complied. When I complained on XXXX I finally got a call from XXXX to get more information from me and that someone would call me tomorrow ( XX/XX/2020 ). It is now XX/XX/2020 and I have yet to receive a call. It has been two and half months since my file was sent to closing. I finally closed on XX/XX/2020 but still have yet to receive a call from M & T Bank about the problems and delays I had. Throughout this whole process I either talked to or tried to get a reply from five different people. Only one was willing to always return any correspondence either phone, text, or email.

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 2023-07-08
Company: EQUIFAX, INC.
State: KS
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:
There is information that is in my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block this information has been ignored and at this point I have been severely injured and I want to move forward with legal actions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: PNC Bank N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a PNC account open for years and then switched to XXXX. I left some money in my PNC, like {$300.00}, which PNC started charging account maintenance fees against because I didn't meet the monthly minimum for their account type. 

I stopped using the account in 2021 and left it open just in case. I had called them and told them I'm just leaving it open for access. 

I previously called and thought I had a {$0.00} balanced. I moved to XXXX for work, and my parents addressed received a letter that PNC sent me to debt collections for {$33.00} dollars. I never had someone reach out via email or text where I could be notified and why they let me go below {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an old account with XXXX which was paid off through their collections department. I am now getting calls from Southwest credit saying they are a debt collector on behalf of XXXX. I have told them repeatedly I have paid this off with XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 WAS A VICTIM OF ID THEFT AND SOMEONE OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME. I NEVER BENEFITED NOR RECEIVED ANY GOODS OR SERVICES. I HAVE ASKED THE CREDIT BUREAUS TO PLEASE REMOVE THESE FRAUDULENT ACCOUNTS AND PROVIDE VERIFICATION AND DOCUMENTS WITH WET INK SIGNATURES, HOWEVER TRANSUNION, XXXX, XXXX KEEPS REPORTING THIS FRAUDULENT INFORMATION ON MY 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 2020-06-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

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 2022-08-09
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've reviewed my credit report and noticed an unauthorized XXXX account # XXXX. I've disputed this account multiple times pursuant to 15 USC 1681 ( a ) ( 3 ) Experian has replied that they have verified this account but have yet to send my what they have verified. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After several attempts this inaccurate information has not been deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX Balance : {$170.00}, XXXX XXXX XXXX : {$100.00}, XXXX XXXX Balance : {$67.00}, XXXX XXXX Balance : {$5600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$210.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Portfolio Recovery Associates sent letters to my home, I ask them to validate however they sent no original contract or anything with me opening up account with XXXX XXXX, just sent the amount they say I owe. They person called stated they from XXXX XXXX lies and told the person in the phone I can do a payment plan however they violated for one hownyou calling when I wrote to them my validation stated dont try contacting me they look my address up online and got the phone number its not my house its my friends house I use to reside in so why would they tell them I owe money to them and second it wasnt XXXX XXXX it was Portfolio Recovery Associates. They never sent a validation just old statements and nothing with my signature on it and I dont live in XXXX anymore I have moved to XXXX  so I will be calling contacting a lawyer under the FCRA they are required to show me a contract with my signature on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 XXXX XXXX on XXXX XXXX I accidentally transferred {$400.00} from my savings account with Bank of America ending in XXXX to my credit card ending in XXXX confirmation # XXXX. The money was suppose to be transferred to my checking account ending in XXXX. All accounts are held with Bank of America. I immediately called Bank of America credit card customer service they stated since there is a {$0.00} dollar balance on the card ending in XXXX once the transaction posts they can credit the money back into my checking account ending in XXXX. I have made several calls and up until today XX/XX/20 the money still has not been refunded into my checking account. I have spoken to several customer services representatives and supervisors who all advised me this issue will take no more then 5 days to have the money refunded into my account. Today it has been more then 17 calendar days. Supervisors XXXX and XXXX employee ID # XXXX had informed me my money would be in my account no later then XX/XX/20. I also spoke with a supervisor named XXXX who informed me she does not understand the hold up and will have the money in my account within 24 hours. I called again yesterday and spoke with XXXX on XX/XX/20 around XXXX XXXX pacific time who refused to help me and provide me his employee ID number he hung up. I have been requesting for supervisors to please take over the call and or call me back on a daily basis and not one has returned my call. Today I spoke with an XXXX Employee ID # XXXX and requested again for a supervisor to speak with and again no help. I have cried and begged to please help refund me my money as I am behind on my bills and the money is rightfully mine and even had customer service representatives snicker and say you will eventually get your money in 14 days

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