BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am a CapitolOne credit card holder. I drove over 50 miles to a CapitolOne Cafe from XXXX County, Fl to the City of XXXX XXXX, Fl in XXXX XXXX County on XXXX XXXXafter XXXX to pay off my credit card. I placed {$260.00} ( XXXX {$100.00} bills and XXXX {$20.00} bills ) in cash inside the ATM. Three days later, I checked my account and it said that I still owed {$270.00}. I contacted a CapitolOne dispute agent and he said it would take up to 10 days to investigate. On XXXX XXXX, I contacted CapitolOne and the agent said that I would be credited for the payment but it would take up to 30 days for the investigation to complete.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/19 I transferred XXXX dollars to a Bank of America account for the lease of an apartment. 

On XX/XX/19 when the transfer went through, I was informed by the scammer that the account was mistaken and they needed me to redirect the accounts. I immediately canceled the transfer. 

Having arrived today XX/XX/19 to begin the terms of the lease, the scammer told me that the apartment was not available.

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 2021-05-20
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had {$1700.00} on my card XX/XX/2021 I went to sleep woke up my phone was stolen so I had to go get a new one I logged into my XXXX account and seeing some transactions that was made that wasn't me so I called and and disputed the transactions and so I can get to to bottom of the promble and get it taken care of and to fine out who and why they made the transactions without my permission .well for some reason american express serve card threw XXXX XXXX tax service from fraud department people denied my dispute I did on the transactions for XXXXXXXX XXXX,2021 and XXXXXXXX XXXX,2021 for the amount of {$1600.00} to XXXX XXXX for some reason. And I am so sick and XXXX out over this promble and situation that it's causing my XXXX XXXX to stay high and me to have XXXX XXXX everyday since the day this matter took place

Company response to consumer: Closed with explanation
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: Information belongs to someone else

Complaint:
There are multiple Accounts on my credit report that do not belong to me I have not opened these accounts I have not signed or approved these accounts. I have tried to reach out to the bureaus as well as the furnishers but they are not helping me they are not opening an identity theft report for these accounts I need help to get these unknown accounts off my credit report it is affecting me personally and emotionally. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX INQUIRY Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. 

Account Name : XXXX XXXX Account # : XXXX has violated my rights. 

Account XXXX : XXXX Account # : XXXX has violated my rights. 

Account Name : DEPT OF ED/XXXX Account XXXX : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. 

Account Name : XXXX XXXX Account # : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnace any information relating to look at summer to any consumer reporting agency if the person knows or has a reasonable cause I believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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, I noticed several emails from Best Buy that orders were placed on my BB Citibank card and that they were ready for pickup. One email had already confirmed that the items were picked up. I was out of the country ( XXXX, XXXX ) at the time and these items were picked up in Arizona. I was able to cancel the orders that werent picked up yet, however was too late for the other one. It was a charge for $ XXXX. I submitted a fraud report through BB Citibanks online portal and received a letter in the mail several weeks later stating that the investigation was complete and that the charge was fraudulent and there was nothing else I needed to do on my end. Then about a month later I am getting emails from BB stating that I owe $ XXXX. I called and spoke with a BB fraud XXXX representative who stated that he did not see anything in the system about a fraud charge report nor any investigation and that I still have the charge on my card. He said that he would report the card as lost/stollen and open up another investigation. This was a few weeks ago and now Im getting harassing messages saying that I am past due. No follow ups about the investigation at all.

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 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I literally just created an account on TransUnion ( XX/XX/2021 ) and got charged {$25.00} for their Credit Monitoring service. All I wanted was to check on an inquiry on my credit report that they have but XXXX and XXXX did not..

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 2019-10-30
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX Acct # XXXX {$310.00} XXXX-XXXX   XXXX XXXXAcct # # # # # # # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXXAcct # : XXXX r XXXX XXXX XXXX Acct XXXX : XXXX {$680.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX {$1100.00} XXXX XXXX # : XXXX {$630.00} XXXX XXXX XXXX # : XXXX XXXX XXXX   XXXX was not included in bankruptcy, XXXX gave me the house free in clear as a result of a class action lawsuit and was supposed to remove this account from all 3 credit reports.

I have sent the 1st notice out regular mail on XX/XX/2019, when I did not receive a response I then sent a second response certified mail on XX/XX/2019, and still didnt get a response back for these companies to VALIDATE these debts.

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 2023-05-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support, I hope this letter finds you well. I am writing to formally appeal the permanent limitation that has been placed on my PayPal account. I strongly believe that this limitation was imposed in error, as I have not violated any PayPal policies or engaged in any activities that would warrant such action. 

Firstly, I want to emphasize that I have been a loyal and active PayPal user for several years, conducting numerous transactions without any issues. It has come as a great surprise and disappointment to me to receive the notification about the permanent limitation on my account. I am confident that this is a mistake, and I kindly request you to reconsider and re-investigate my case thoroughly. 

As a responsible PayPal account holder, I have always strived to adhere to your terms of service and policies. I have conducted all my transactions in a legitimate manner, both as a buyer and a seller. I have never engaged in any fraudulent activities, nor have I violated any of the policies outlined in the PayPal user agreement. Therefore, I am confident that there has been a misunderstanding or an error in the assessment of my account activity. 

Considering the aforementioned points, I kindly request that you conduct a comprehensive review of my account history and transactions. I urge you to take into account my previous exemplary record as a PayPal user. I firmly believe that upon a thorough investigation, you will find no evidence of any policy violations on my part. 

In light of the above, I kindly request that you lift the permanent limitation on my PayPal account and restore it to its previous unrestricted state. I value the convenience and security that PayPal offers, and losing access to my account has caused significant inconvenience and disruption to my financial activities. 

For your reference, the email address associated with my PayPal account is XXXX I kindly ask that you communicate with me through this email address regarding any updates or additional information required for the re-evaluation of my case. 

I appreciate your attention to this matter and hope for a prompt and fair resolution. I trust in PayPal 's commitment to ensuring a safe and reliable platform for its users, and I am confident that upon further examination, my account will be reinstated. Thank you for your time and understanding. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have not received credit reports within the 30 days. I sent dispute letters XX/XX/2020 and XX/XX/2020. experian and XXXX have yet to respond and this is really hurting my credit. Will you please make them respond to me.

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 2021-01-31
Company: Rocket Mortgage, LLC
State: NC
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:
Was inquiring about a mortgage from XXXX/quicken, and did an online application. I later realized they pulled my credit twice on varied dates and both appear in my credit. I expected them to pull my credit once for their consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: I.C. System, 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 am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2019-10-30
Company: Windy City Capital Management, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from the FDIC to follow up with you. I left a message with XXXX XXXX at FDIC regarding help with getting positive credit report updates. 
I think XXXX ( a manager at XXXX XXXX ) may have called me on on around XX/XX/19 regarding a settlement for around {$340.00}. 
On XX/XX/19, XXXX XXXX ( not sure of spelling ), helped me set up a settlement payment arrangement for {$25.00} on XX/XX/19 and the rest of it to come out ... possibly XXXX on XX/XX/19. 
I believe I contacted Windy City Capital on XX/XX/19. They may work with XXXX XXXX, but did not have my account information. Therefore, they would not be able to update my XXXX status to paid on my credit report. 
Again, I am waiting to call back XXXX after today to see if they are willing to forgive this debt and just leave my XXXX   status as charged off if they are unable to update it to paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent accounts appearing on credit report. 

XXXX. XXXX XXXX XXXX. XXXX

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

Complaint:
Experain and XXXX XXXX refuse to remove fraudulent acct from my profile when they have my supporting documents that I was a victim of Id theif

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 2023-08-02
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: Information belongs to someone else

Complaint:
I am writing to dispute an unwarranted student loan that has been reported on my credit report to my knowledge since XX/XX/2020. I have been disputing this since 2020 to no avail. I feel defeated and helpless at this point. 

I am appalled that XXXX/Dept of Ed and XXXX XXXXXXXX XXXX XXXX XXXX has continuously reported inaccurate information on my credit report causing damage to my lively hood, preventing me from purchasing a home, a higher interest rate, and credit denial. XXXX XXXX XXXX and XXXX XXXXXXXX XXXXDept of Ed has failed to mark my credit report disputed, failed to respond in the allotted time, and failed to provide my signature violating the debt. I have also attempted to dispute this with Transunion, XXXX, and XXXX who also did not provide any of the requested information per the guidelines of the FCRA. Therefore the Item in question should have been removed, not to mention it doesn't belong to me. I have kept careful records of all records pertaining to this matter. 

I want the debt to be fully removed from my credit report. I am also asking XXXXDept of Ed to compensate me the amount of {$5000.00} for violating the FCRA as well as punitive damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a purchase through tourism company called XXXX XXXX on XX/XX/2020 and XX/XX/2020. With a total of XXXX. I asked the bank to dispute the charges as the merchandise is not returning my money. I tried to call the merchandise multiple times but he is not answering. I sought the help from Chase but they did not help at all to dispute the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I  should not have. I had paid this over the phone and was under the impression the payments went through, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

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 2023-05-18
Company: Frontline Asset Strategies, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I called the XXXX Company to transfer my XXXX cell phone lines from XXXX to XXXX XXXX The XXXX representative informed me that each line had an activation fee of {$35.00} dollars and that the XXXX lines would add up to {$100.00} dollars. The representative also informed me that I was going to receive XXXX SIM cards and as soon as I received the XXXX cards I have to activate them to start with the contract and service. I paid the {$100.00} with my credit card but the next day on XX/XX/XXXX I called XXXX to cancel the whole deal and told them I wanted the {$100.00} back to my credit card. After canceling the agreement with XXXX XXXX, I was calling many occasions to the company XXXX  to get my money back and they always refused to do it, they told me that I could leave my money on credit for another time if I decided to subscribe with XXXX, I flatly refused and just wanted my money back but they XXXX did not want to return it. 
Due to this act of bad faith on the part of XXXX, I was forced to call the bank of the credit card and explained the situation and they raised me a dispute but did not assure me of the return of money but, on XX/XX/XXXX XXXX returned the {$100.00} to my credit card. Its been XXXX months since XXXX company gave my money and XXXX sends me a bill for {$100.00} for cell service, I called XXXX, I explained to the representative that I dont have any service with XXXX, he decided that next month it is going to reflect {$0.00} on the account and apologized for the mistake. XXXX months later, another bill arrives to my mailbox from XXXX with {$100.00} for service and {$25.00} for late payment, I call again XXXX explained the situation and the representative decides to remove the {$130.00} bill again. 
In XX/XX/XXXX I received another bill for {$130.00} dollars from the XXXX company for service and delay, I made another call to XXXX but the representative informs me that it will be a bit difficult because the account was already almost in collection and on the XXXX of XX/XX/XXXX XXXX, acting in bad faith, registered and informed the credit companies that I owed them {$160.00} dollars, being a lie to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX SELF-REPORTED XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi my name is XXXX In XX/XX/2021 I got an apartment in XXXX. As this was during covid I did not know my company jokes would reduce. I was not able to pay for the apartment. So I went to the manager of the company and told them the situation and they said they wouldn't charge me. However 6 months later I got a collections for XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX was added to my credit report as my employer. This is incorrect reporting and i want this removed immediately. I do not work for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation