BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have 2 separate cases with Capitol One. The first being card acct XXXX. I was always on time with my payments. When I made a payment with my XXXX XXXX card it was n't until 2 weeks later that I was informed via email that the payment did n't go through. I had no idea as to why because it was not a matter of insufficient funds. So I called and the rep thought maybe it was some sort of tech issue. She then proceeded to take my payment info to reprocess the payment. It all went through and I was given a confirmation number. Then 2 weeks later I received another email stating the payment had n't went through. I called again and was told that they could n't process XXXX XXXX cards. Fine time for them to all the sudden know this. Nonetheless I had XXXX XXXX send a paper check which is another service they offer. Capitol One claims they never received it. I called again and this time I have a 3 way with Capitol One and XXXX XXXX. The XXXX rep explained that the check should have been there on a certain date, however he was now giving another date to the Capitol One rep who  noted everything. This whole thing started to appear orchestrated, So it placed me behind things got screwed up with the domino effect. Then CO restricted my card and said I would have to pay XXXX to get the restrictions removed. I did that but they reneged. I told them to close the account but they kept it open I was not going to pay anymore interest on a card where I did not have services. I was willing to pay my balance but they kept increasing the amount. So I filed a complaint but nothing came of it. At this point I want the balance cancelled because they will not put it at the amount that it was when I closed it. 
The 2nd case is account XXXX I have always been on time with my payments. Then they jacked up my minimum payment of XXXX to XXXX. So I sent a money order for XXXX to get it paid off and close it. Capitol One claims they never received it. I filed a dispute and they credited my account. However they took the XXXX back off despite having cashed the money order claiming they still had not received it. I contacted the post office and the money order company-XXXX XXXX. They sent me a letter confirming the the money order had been cashed. I have sent Capitol One a copy of this letter. Yet they still have not resolved the issue. I called ( as I 'm fed up with having to call ) and requested that the supervisor email me, i have not received any contact. As far as I can see this has been orchestrated to ruin my credit even more,. What they are doing is illegal even criminal. I want this balance cancelled as well. I 'm done with Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
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: Information belongs to someone else

Complaint:
this loan was opened up in 2001 due to identity theft. 
ive been trying ; for years to ge this off my credit report. 
and reported it to social security administation since i lost my social security card. 
this account is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
since XX/XX/XXXX I have a loan with Capital one auto finance, and it's being never being reported from the credit bureaus, I contact Capital One Auto Finance over the phone innumerous times but no resolution, I sent them letters and the last one when requested more evidence was sent on XX/XX/XXXX, and have not answers from Capital one since them. 
This is giving me problem to login on my IRS account and my SSN account since they use our loans to verify identity, The only one Capital One auto Finance had report was the enquiry when I was buying a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Because Midland Credit contacted me regarding a fraudulent account back in XX/XX/2020, I have written a letter to the company explaining that the account was fraudulent. I included a police report and FTC identity theft report with the letter. 
I requested proper validation to be processed and provided documents that were used for the validation. Since then, I did not receive any types of communication from Midland Credit Management. 

It was shocking for me when I received a letter from the court stating the Midland Credit Management is attempting to make a lawsuit against me for the same debt that they contacted me initially. 

I specifically stated that the account from XXXX XXXX  is a fraudulent account that had been involved with identity theft and requested verification and validation to be processed. Midland Credit Management completely ignored my statement and supporting documents and falsely attempting to collect the debt that is fraudulent. 

I will include a letter that was submitted on XX/XX/2020 with the original copies of the police report and FTC identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Re : Discover Credit Card Last 4 acct. digits : XXXX Last 4 SSN digits : XXXX Card was opened on XX/XX/XXXX, Total Credit Line : {$6000.00} On Tue. XX/XX/XXXX, the following email was received from Discover : As a result of a recent review of the Discover it card account referenced above, we have closed your account as of the date of this letter. This action was taken for the following reason Inactivity on your account ( s ) We will credit your account with your Cashback Bonus ( or Miles ) balance if you have one. If you have any questions, our service specialists are available to assist you 24 hours a day, 7 days a week, by calling XXXX Sincerely Credit Operations On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX, the service number listed on the back of the card, as well as the number listed on the bottom of the email. I was informed, in both cases, that the card could not be reactivated, and the inactivity clause was noted on the user agreement. I explained that I was saving the card for emergencies, and that If I had some advance notification regarding this action, Would have been happy to use the card in order to prevent this rather abrupt and consumer hostile action. All to no avail, my pleas fell on deaf unresponsive ears. I really feel that a professional courtesy of advance notification could have avoided all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit and saw this company had popped up and reported like 6 times at once. So I called the number I was given online. When they answered they just said XXXX, I said I'm trying to reach DRS. he then said oh okay let me give you another number. He then came back and said I'll transfer you so I said okay. The next guy answered the phone XXXX, and said who is this I stated again I was trying to reach DRS Debt Recovery Systems, then he said ' how did you get this number '' I said I was transferred. So I proceeded to question the errors on my credit report. He didn't have any of my information and was asking for my full social and birthday and my address. I didn't give him any of that. I told him he could verify it with my telephone number if he needed to or my email. Then he said ' your going to tell me how to run my XXXX business. Right then I knew this had to be some type of scam. I would like this removed from my credit immediately, I had my phone on speaker and 3 of my other co-workers heard the conversation and were shocked. I called the company that they listed they were collecting for and they have no clue as to why this company is contacting me. They could not validate any of my information so i did not confirm anything, and using profanity is violating FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account on XXXX XX/XX/2021 for no reason and is not willing to assist me in getting it up and running. This is clearly a big mistake. The decision taken by PayPal has had a negative impact on my business and i figured that I could come here to report them. The email address that I use on PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have not authorized these companies to pull my credit. I have asked XXXX, XXXX & XXXX to remove these inquires. They have not done so at this point

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 2022-02-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to take PMI off my loan. I owe XXXX and M & T Bank sent me a letter stating my house needs to appraise for {$100000.00} in order to remove PMI. The original loan amount was {$82000.00}.

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 2017-11-25
Company: ENCORE CAPITAL GROUP 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:
XXXX XXXX claims I owe them {$4300.00}. They started sending me letters stating that I owe them money so I sent a letter asking them to verify the account with any documentation bearing my signature on XX/XX/XXXX. They could not provide my signature so they sent another bill. I responded with another letter on XX/XX/XXXX asking them to provide my signature or remove this from my credit reports. The information was still on my credit report so I sent a final letter on XX/XX/XXXX asking to remove this or I would take them to court for 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. 

They called my parents home that I have not lived in over 10 years and discussed me " owing '' them money which clearly violates the Fair Credit Reporting Act. 

I do not want to go to court but I want this off of my credit report. This is costing me more money in interest payments and has kept me from getting much needed credit. I have been denied credit because of this information that they have yet to provide my signature. 

A lawsuit will be my next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020, [ ATG CREDIT LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: MO
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/20 I sent in a dispute to experian explaining that the date of last activity is incorrect along with so many other inconsistencies and they left this issue the same and updated it on XX/XX/20 with absolutely no changes and clearly the credit bureaus did not conduct their own investigation required by case law. If this creditor did update this information saying accurate then what that means from the evidence that I sent in is that they are not following e-oscar or Metro 2 Compliance because all information should report the same all across the board with this alone this account need to be DELETED FROM MY REPORT. Attached you will find the proof that letter was sent saying that their was discrepancies, proof that nothing was done about it and proof showing ALL the discrepancies highlighted in RED all across all 2 bureaus. 

Thank 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 explanation
Consumer complaint received 2017-11-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The account XXXX credit card ) from Wells Fargo closed on XX/XX/XXXX2012. Although I was aware of it and paid the debt, somehow it was still on the credit report. The amount was {$2200.00}. With some help from my parents, I was able to pay the debt.

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 2021-09-14
Company: Experian Information Solutions 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:
In XXXX- XXXX of XXXX I filed a dispute with Experian credit bureau about the XXXX XXXX -- Account number XXXX. months I have not received a notice in over 45 days and my report shows that this account is still in dispute. This unverified account was removed from XXXX in XXXX of XXXX  and still remains in dispute on Experian. I am aware that this 30 non response is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank 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 explanation
Consumer complaint received 2020-05-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
This is regarding the PPP Loan. I bank at Wells Fargo for business. I was one of the 1st people to express interest on it as I was refreshing the page consistently.

WF keeps saying I am in a queue -- but won't tell me where I am at in the queue. 

I have an email from XX/XX/2020 saying I am still in a queue. 

I filled out my loan app -- but Nobody has called or reached out. I reach out to them consistently on phone, email and twitter -- but they won't let you talk to anyone in the PPP department.

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 2022-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One ( Quicksilver Credit Card ) I have three existing Capital One Credit Cards but unfortunately, for just about 2 weeks now, my quicksilver credit card has been giving me tons of headaches.. 

Capital One claimed that they only report once every cycle or month to credit bureaus, infact they did. For my latest statement balance, I only owed {$110.00} which was reported to the credit bureaus reflected as part of my credit report. But just last week, Capital One has started to GIVE INACCURATE information to XXXX and XXXX. They have forwarded my RUNNING balance which has affected my score. I made a dispute directly to the credit bureaus and XXXX has rectified the initial report, but Capital One still gave them an inaccurate information for the second time. My current running balance is at {$480.00} and at anytime, it will change. 

My GREATEST ISSUES : 1. Why Capital One is reporting my running balance even if they have already reported my statement balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Parnell & Parnell, PA
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from the law firm of Parnell Parnell, XXXX XXXX XXXX XXXX XXXX, Al XXXX ( XXXX ) XXXX. In this letter, they state that this is in reference to XXXX XXXX, XXXX XXXX XXXX XXXX Case No. XXXX There File No. XXXX. 
First, they state that they are once again writing to me, but this is the first letter I have EVER gotten from them. 
Second, they say that I stopped paying on this so-called debt back in XXXX of 2011, now. Now, this debt collector is out of Alabama where the Statue of Limitations for that state is 4 years. I live in the State of Texas where the Statue of Limitations is 6 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im using chime the Internet bank and have had no problems for almost 2 years that Ive been using it. I changed states at my job and became employee versus a contract with but with the same employer so no change in the information provided to time and information coming from my employer. Recently they change their gas authentication verification engine from plaid to atom and now my direct deposit which was issued on XX/XX/XXXX and usually shows up to days early so I would have shown up on XX/XX/XXXX has not shown up yet and its now almost a week later. Every time I call I get the runaround It is still processing and we cant tell you anything about it. And they also its allude to the fact that I need to verify information on my side which Ive done and there has been no change on my side or with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have submitted a dispute with all three credit bureau 's regarding a fraudulent credit card which was opened in my name from XXXX XXXX XXXX. I was not given any proof of my authorization for opening the account from the creditor when asked. The creditor can not provide proof I authorized the account yet will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used PayPal Friends and Family to pay an " XXXX XXXX '' {$250.00} which cames to {$260.00} after fees, who coincidentally has the email " XXXX " As soon as I sent her the money via PayPal I have not received the goods I paid for and she has not returned any of my messages back. I have screenshots of our conversations as proof of purchase and proof of her not resonding anymore.

Company response to consumer: Closed with monetary relief