BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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 requested Capital One investigate fraud charges and remove late payments on my credit report caused by these fraudulent charges which I reported to them over the phone. The call was recorded and the agent on the phone stated that as long as I write a letter these late payments would be removed from my credit report. The following letter was sent to Capital One in XXXX and I was never given a response. 



Attached Letter : I am writing to request Capital One to send notifications to credit bureaus to assist in dispute of payment delinquency caused by fraud charges. 
XX/XX/2022, I noticed an email which stated I was late on a payment, so I paid it. I was surprised to see I had a payment due for that card because I hadnt seen it in a while, but I got busy with XXXX coming up and didnt feel like looking further into it. I was going over my finances on XX/XX/2022 and looking at the charges from this account. I didnt recognize any of the charges and I havent used that card in a long time. Due to the initial fraud charges, I wasnt aware I had to make a payment due to these fraudulent charges and as a result I incurred a delinquency on my credit score. 

Please see the following fraud charges which caused the delinquency : XXXX XXXX, XXXX  XXXX  XXXX XXXX  {$14.00} XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX XXXX {$77.00} Please remove the late payments from my credit card report. See attached copy of my credit report where Ive highlighted the errored delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First Disputed this debt on XX/XX/XXXX with all 3 credit bureaus and it came back as validated. Disputed again on XX/XX/XXXX. Portfolio Recovery Associates, LLC has been reporting on my credit and fails to provide proof of my obligation to 2 alleged debts which has been requested two times already. They have sent me spreadsheets with an account numbers and balances of these debts from the original creditors, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. To my understanding these documents do not qualify as full verification. Under the Fair Credit Reporting Act I have the right to demand they disclose all of the documents they have recorded and retained in their files. I need to see a signed contract saying that I am liable for these 2 debts and that Portfolio Recovery Associates, LLC has the right to try and collect from me. This company is in violation for continuing to verify accounts with the major credit bureaus without proving evidence as requested. All unverified accounts must be deleted. In addition to not providing the proper verification on the most recent notice from Portfolio Recovery Associates, LLC, they state " In response to your dispute, we have requested that the 3 major credit bureaus change the status of this account to dispute resolved consumer disagrees. '' I feel that this action was taken by Portfolio Recovery as retaliation for disputing these debts. These debts are beyond the Statute of Limitations here in Pennsylvania. I have also requested that Portfolio Recovery stop contacting by phone, and only contact me by US Mail. However, they continue to call me. I am requesting to see a signed contract for each debt and creditor with my signature on it, verifying that these debts are in fact mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
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: Information belongs to someone else

Complaint:
I'm disputing the following accounts inwhich I deem to be fraudulent and I'm demanding that they be removed and blocked from my credit files immediately. The orginial account is from XXXX XXXX, a city inwhich I do not reside in ..someone obviously stolen my identity. Therefore, you and your companies shall remove the following unauthorized accounts.

1 ) XXXX XXXX Co {$330.00} account # XXXX 2 ) XXXX XXXX {$240.00} account # XXXX I'm requesting all documents used to open these accounts in its original form, or these accounts shall be removed/ blocked immediately.

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 2021-02-12
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: Account information incorrect

Complaint:
On my most recent credit report from Experian, I noticed that the XXXX, XXXX, and XXXX accounts from XXXX  were reported by both XXXX  and XXXX XXXX XXXX. This looks like 6 delinquent on my report. The accounts were fraudulently opened anyway, but its even worse that its been reported double.

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 2020-06-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was targeted by mail and applied online through Citizens Bank 's website for a checking and a savings account with {$600.00} bonus last XXXX. It took them until XX/XX/2020 to get back to me and ask me for identification materials. They approved my application on XX/XX/2020. I met all the requirements, but they are not honoring the bonus, claiming that my account was opened on XX/XX/XXXX, and the offer had already expired on XX/XX/XXXX. 

1 ) I applied when the offer was valid, and the delay was due to Citizens Bank 's slow processing. 
2 ) I was contacted for additional material but was not informed that the offer was going to expire on XX/XX/XXXX before my account would be opened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: VA
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 over paid my XXXX 's payment due in XXXX. Therefore, I should not have had a payment for XX/XX/2022. They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022 of XXXX. 

They are reporting me inaccurately and refused to change the account. I have filed multiple complaints with Equifax, XXXX and XXXX. I also contacted XXXX regarding the missed payment. 

I told them I overpaid for XXXX and I should not have had a payment for XX/XX/2022. They reported me as missing a payment. 

The account has been paid in Full for XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: WSFS FINANCIAL CORPORATION
State: NJ
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:
Dear WSFS, Thank you for attached XX/XX/2021 Response Letter to CFPB Complaint # XXXX. 

Kindly please provide a corrected 1099 for account # XXXX for the property : XXXX XXXX XXXX XXXX, FL XXXX The attached IRS Form 1099 received from XXXX XXXX XXXX, notes that it is the lender for account # XXXX for the above referenced property. 

As there is no account # XXXX noted on the attached XXXX XXXXXXXX XXXX XXXX loan schedule and as there is no evidence that XXXX XXXX XXXX was the lender, we are requesting a corrected 1099 from Wilmington Savings Fund Society , FSB, D/B/A CHRISTIANA TRUST not in its Individual Capacity but Solely As Trustee for the XXXX XXXX XXXX XXXX. 

Please send a corrected IRS Form 1099A. 

Thank you very much for your immediate attention to this IRS reporting matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Experian Information Solutions 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 status incorrect

Complaint:
I recently disputed an account on my Experian credit report, XXXX XXXX, because I did not recognize an old paid off charge off. It was investigated by Experian and deemed to be mine, but then they reaged the account on my Experian credit report to show the date of last delinquency as XXXX even though the account has been paid off since XXXX. This caused my FICO score to drop by over XXXX points because it 's showing a brand new delinquency when there is no delinquency. I contacted Experian by email, but no remedy has been applied. This is going to cost me a lot of money in higher APR 's as well as potentially altering my current credit cards/loans into risk based pricing. I feel that this was done as a deterrent/adverse action to disputing information on my credit 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 non-monetary relief
Consumer complaint received 2021-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had a Bank of America XXXX BOA ) Cash Rewards World Mastercard since XXXX. I have paid off the balance every month this year to avoid being charged interest using the standard grace period per the consumer agreement which states " We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date ''. On XX/XX/XXXX of XXXX, I transferred another credit card balance of {$26000.00} to the BOA card using a " no-interest '' promotion if that balance was paid off by XXXX of XXXX. I was very careful in XXXX and XXXX ensuring that I paid off my ongoing daily purchases as well as the minimum amount required for the " no interest '' promotion. No interest was charged on those two statements. My total statement balance in XXXX was {$26000.00}. My statement balance in XXXX was {$22000.00}. My statement balance in XXXX was {$19000.00}. Clearly this shows that I not only paid off the daily ongoing retail charges before each monthly cycle but I also substantially paid off the promotional balance. On the XXXX statement BOA charged me interest on the daily charges saying I was no longer eligible for the grace period allowance because I had not paid of the daily ongoing retail charges. Despite the statement proving that my payments exceeded my purchases by {$2600.00} BOA insists on charging me interest. Their statement to me was " if you don't want to be charged daily interest then stop using the card for daily purchases ''. This to me is clear evidence that they no longer wanted to honor their cash back rewards portion of the agreement.

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 2017-10-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated in XXXX with my XXXX. and in XXXX with my XXXX. At the time I was working full time, raising a family as I went back to school when I was older. My loan payments were never at a payment that I was able to make, therefore had to do forbearance and deferments. The interest that has accrued made my total to repay {$130000.00}. My family and I live in a XXXX bedroom house because I ca n't afford to move and my credit is horrible because I ca n't afford my XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2019, I was looking for tickets to XXXX XXXX. I was approached by a woman named " XXXX XXXX '' email address : XXXX, XXXX : XXXX   : XXXX? XXXX. She told me she had two tickets to XXXX  XXXX, and even sent me a " Confirmation Email of purchase '', I foolishly believed her even though the grammar was questionable in some spots, but I assumed it was a translation as English didn't seem to be her first language. I played it safe and asked questions, and she assured me I had nothing to worry about and was genuine, and could not attend the event due to her son being sick. She insisted I send through friends and family, and I wanted to send through services, but remained optimistic, a stupid choice on my part. I sent one payment to be safe, and would've demanded the first " Ticket '', before sending the second. She told me the tickets were together, and to get them, I'd need to pay in full. I asked for the tickets, THEN I would pay but she insisted her husband was in a hurry. Nervous, I sent the second payment with faith there were good people in this world, that faith was immediately stripped when she sent me a crude fake image, and then immediately blocked me on XXXX. 

I have heard you can not dispute friends and family transactions, but when I saw that this was protected by http : //www.dbo.ca.govConsumer Financial Protection Bureau , I immediately came to dispute. 

I have MESSAGE EVIDENCE from XXXX I can provide. Here is a folder of said evidence : XXXX XXXX XXXX XXXX Once again, her name was 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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
5 Hard inquiries on my TRANSUNION REPORT I have no knowledge of! This not give these companies permission to run my credit nor did I apply for credit from the either 1. XXXX Inquiry on XXXX 2. XXXX XXXX Inquiry on XXXX 3.XXXXXXXX Inquiry on XXXX 4 . XXXX XXXX Inquiry on XXXX 5. XXXX XXXX Inquiry on 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 2017-10-05
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX, Diversified Consultants sent me a letter telling me that my account with XXXX was referred to their office for collections. Yet, they posted it on my credit reports before the date of my letter. I asked them to validate the debt, I never heard back, I asked them again to validate the debt, I never heard back ( this was all by certified mail ). I sent another letter asking them to debt the debt but they said no. I called them on XXXX XXXX and told them that I had a zero balance with XXXX. They said that I would need to prove it. I went to my local XXXX office and sent Diversified my statement that said {$0.00} balance. They said they will report to my credit report that it was paid. I stated that I never owed Diversified the debt and it should be deleted. It is still on my credit report. They are reporting false information and it is affecting my credit. I should not have to jump thru hoops for an unethical company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is the result of job fraud. Capital one is holding me responsible for the following transactions XXXX/XXXX/XXXX {$3400.00} XXXX/XXXX/XXXX {$3700.00} XXXX/XXXX/XXXX {$4100.00} XXXX/XXXX/XXXX {$4000.00} XXXX/XXXX/XXXX {$1100.00} These we XXXX XXXX purchased which XXXX XXXX XXXX XXXX depleted the cards XXXX I reported this to the police and filed a report in XXXX XXXX once I realized something was not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2017, I sent a wire transfer to Coinbase/XXXX to deposit funds to my account. It 's now been over a month and the funds still have not been credited to my gdax account. The transfer should have on taken a day or two, as indicated by XXXX. Here 's some info about the wire transfer : Date : XXXX XXXX, 2017 Amount : {$4900.00} XXXX XXXX :  XXXX XXXX XXXX  XXXX  Routing Number : XXXX XXXX Account Number : XXXX Reference Number : XXXX ( I do n't know if this is only a XXXX thing ) Special Instructions : XXXX Beneficiary Address : Coinbase, Inc XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I can also provide information about my bank and account number if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Early this morning around XXXX am I paid my bills online. I then went to purchase dressers on XXXX website, I 'm a XXXX veteran and I finally saved enough money to get a Dresser. So to my surprised it was declined, I went to call XXXX because I knew I had funds in my account. The lady I dealt, XXXX with was very condescending and did not do her job correctly. Her manager is XXXX XXXX. I have gone without furniture in my place for over a year so obviously I 'm upset that I am not able to use my own money. I sent an email to the company about the incident, I get an email back. I thought maybe it had to do in regards to that. Nope it was a the security check that they had to take off my account which she did not do which brought another decline to the same order. Not once, but several times. I get it, I 'm a veteran and I have the premier account. I do n't have XXXX dollars in my account and obviously they treated me differently than a wealthy person. I lost out on some money several times using coupons not able to be used again for my purchasers. I do n't have much funds so whenever I find a deal I have to jump on it. This definitely agitated my XXXX dealing with this character and the lack of response to my money and embarrassment of being rejected several times at the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: EQUIFAX, 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. Several inquiries are showing on my credit report that were not authorized by me. These inquiries include : 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 All of the companies listed above obtained my credit report due to fraud. I have contacted each company and all companies have agreed to request the removal of the inquiry from my credit report. As of XXXX/XXXX/XXXX these inquiries are still showing on XXXX or more of my credit reports. I have attached a PDF of the letters I have received from the creditors above showing they have requested the removal of the inquires. I have also attached a copy of my photo ID for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been bombarded with constant calls by Portfolio Recovery. They have been calling me every single day for years now trying to collect a credit card debt in the amount of approximately {$1200.00}. My debt is XXXX years old, dating back to XXXX. I finally got tired of the constant calls and answered on XX/XX/XXXX to tell them to stop the harassment on a debt that is void at this point. The call lasted for 4 minutes and the representative had no regard for my request and continued to tell me that they could call me and continue to try to collect. The debt is off my credit report and it is past the statute of limitations to take action upon this debt. They continue to call me and have started to call me multiple times every single day, including weekends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
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:
My name is XXXX XXXX and I have previously been a victim of Identity Theft. I recently disputed an account that was originally XXXX XXXX XXXX  XXXX XXXX ... .account # XXXX ... ... this account was proven to be fraudulent and has been removed from my CREDIT REPORTS several times and they keep fraudulently putting it back. It has now been purchased by XXXX XXXX XXXX one of the slimiest collection companies/debt collectors around. But this is the SAME ACCOUNT that was proven to be fraud so the XXXX XXXX purchased a FRAUDULENT debt and has now put in on my CREDIT REPORTS again!!! all the bureaus did was update the account they did not REMOVE IT AND DELETE permanently as it should. I really think it's time to file a LAW SUIT ... ..this grimy collection BUREAUS NEVER do their jobs and protect us the consumers.

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