BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I discovered that I was receiving fraudulent charges from XXXX XXXX. When I realized, I contacted capital one immediately and we identified the rapidly growing charges. 

I was told that this matter was dealt with and I needn't do anything. A new card would be sent out. 

A few days later, I received my new card and saw yet more charges from XXXX XXXX. I contacted capital one and they said they had again dealt with it and I had nothing to worry about. They then told me that less than 5 seconds after they put in an order for a new card, XXXX XXXX  had charged the new card and that she would have to now cancel that card and send me another one, but this one they  would send express. 

They send me the new card assured that this was dealt with and yet ore charges to my card from XXXX XXXX. I call capital one again and they tell me that they can't stop the transactions and that they will have to issue me an authorized user card to my account to get around the issue. They appear to have had no control over fraud from big clients who have some kind of contractual obligations. 

This can't be a one-off problem. If this is possible with XXXX, what other clients are not able to be blocked when fraudulent activity is not being addressed? This was damaging to my credit unfairly as I have spent tens of hours on the phone to them and each time they have assured me it was all under control and would stop. Not only that, but I have had to leave my cards in a permanent state of hold until they could find a solution to the problem which took them months. Even then, it's not a long term solution that every cardholder must have one card that they have, but is blocked, to enable to the use of a second card on the same account? 

I'd like my credit fixed and this looked into as there is a clear issue that is only going to get worse. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: 2288984 Ontario Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by XXXX XXXX regarding an alleged debt that they are saying I owe. I have no idea about this debt and I am very frustrated that they have put this on my credit report. They have sent me a contract with typed name on it which is not a signature. Anyone could have typed this template contract up. They have still not responded to my letter that has been sent to them asking for a mac address id where this alleged electronic signature was generated from. XXXX XXXX have been very rude when I have been asking about this alleged debt. The contract says MONEYKEY but my credit report says XXXX XXXX XXXX which is two different companies,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I ATTEMPTED TO FILE A DISPUTE WITH TRANSUNION IN REGARDS TO AN ACCOUNT THAT THEY HAVE LISTED ON MY CREDIT FILE. THE ACCOUNT IS LISTED AS " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
THIS ACCOUNT IS TOO OLD TO BE LISTED ON MY CREDIT FILE AND TRANSUNION REFUSE TO REMOVE IT. WHEN IT ATTEMPTED TO HAVE IT REMOVED, TRANSUNION STATED THAT THEY WERE UNABLE TO INVESTIGATE THIS DISPUTE. TECHNICALLY IT IS NOT A DISPUTE, IT IS A REQUEST FOR THEM TO REMOVE THIS INFORMATION PER THE FCRA.

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 2022-09-03
Company: EQUIFAX, INC.
State: GA
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 consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re- verify each of these items, and that the inaccurate/fraudulent items be deleted from my record. The following Items are Not Mines/Identity Theft and it appears on my Equifax, XXXX, and XXXX Credit Reports . Also, I have been a victim of the Equifax data breach. All is being investigated by the FTC, According to FCRA 605B, this information must be blocked immediately until the investigation is over. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, 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:
I have disputed these accounts with the credit bureaus already, but until now I'm still seeing these inaccurate accounts being reported on my credit file and now it badly hurt my ability to obtain credit. I'm certain that my rights as a consumer protected under the law has been violated. 

Account Name : Account Number : Amount : XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX XXXX {$580.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX $ XXXXAccount Name : Account Number : Amount : XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXXXXXXXXXXX**** {$3200.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX  XXXX XXXX {$700.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The following is an email I sent to Equifax today XX/XX/2019. Regardless of their response, I believe it is important to note the redundant Personally Identifiable Information that they request just to get back into their online venue. 

Dear Equifax, Recently I disputed an item online. Days later I received an email saying that the dispute was resolved and I should get back online to see the results. Upon trying to get back into myequifax, I input the wrong password twice - this locked me out of my account and gave me a toll-free number to call. Upon calling, I was tied up by the robot for 5 full minutes ( I timed it ) while you confirmed my identity, with a bunch of questions including information we are not supposed to give out over the phone to anyone according to your own safety advice ( ie Social Security Number and Birthdate among other PII ). Finally, I was connected with a representative who attempted to get all of the same information from me once again - but this time it was a foreign person and I felt much better giving the info to the robot than another person. His identical questions made me question everything he asked because I told him time and again I simply needed my account unlocked. The reason for me getting into my account should not be any of his business but he would not unlock my account without the exact reason why I was trying to log in. 
This is truly unbelievable. Equifax should be the most responsible company on the planet yet they continue to pry additional information far beyond anything that is needed for American Commerce. And two tries at a password that has not been used in weeks is outrageous. You folks owe me the response as well as some compensation for the time it has taken me to deal with this - and still without any information. 
Please mail me the response I was attempting to get or otherwise make this right. I am sick and tired of trying to fix errors in my reports. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX And you don't need anything else to identify me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit Fraud Alert/ freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID

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 2022-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt was incurred in 2021 during the COVID 19 pandemic. I was unable to work due to having to XXXX XXXX  my child who has XXXX XXXXXXXX. I alerted Portfolio Recovery Associates , LLC of my circumstances. After I let them know of the circumstances, the debt was removed from my credit report, only to show up again a time later at a higher amount. Portfolio Recovery Associates , LLC calls me every single day from different numbers ( I block one, they call from a different one ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am part of the Equifax Security Breach that occurred in XX/XX/XXXX and that was publicized in Early XX/XX/XXXX. I feel that Equifax did not do enough to protect my personal and highly sensitive information from this breach. I am now worried that my personal information is at risk for identity theft and other fraudulent uses. I do n't think one year of credit monitoring will protect me from this massive misuse of mine and millions of other 's personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
You mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to your XXXX website, and I would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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: Reporting company used your report improperly

Complaint:
Sometime in XX/XX/XXXX I spoke with XXXX ( Agent number XXXX ) over the phone with XXXX  XXXX in regards to account number XXXX and requested that the late payment remarks dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made to my consumer report be removed due to it being non-public private, personal information, violating my rights under 15 USC 6803 A 1 Disclosure of institution privacy policy. Justin denied me the right to control what is allowed to stay or be published to my consumer report also violating 15 USC 6802 - Obligations with respect to disclosures of personal information. I did not give XXXX XXXX any permission to publish such defamatory information. These actions have caused me great emotional harm and serve XXXX as I am unable to utilize my consumer credit appropriately do to the on going abuse XXXX XXXX has created. I am extremely disappointed in XXXX XXXX for doing this to a customer of 7 years who has shown nothing but loyalty to your organization.

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 2022-09-03
Company: Duncan Solutions, lnc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX. Pam and the XXXX of XXXX, XXXX XXXX XXXX XXXX illegally garnished my state taxes without suing me first and acquiring a court ordered garnishment. They took {$270.00} out of my XXXX state taxes as of XX/XX/XXXX and I finally received a notice on XX/XX/XXXX. 
XXXX. Pam and the XXXX of XXXX, XXXX XXXX XXXX XXXX never contacted me prior to illegally taking {$270.00} from my state taxes. 
XXXX. I did send photo id, notice, proof of sale and a statement to PAM at they requested on XX/XX/XXXX by mail. This has been refused just to delay the process. Since then I have received even more citations. 
XXXX XX/XX/XXXX I drove to the XXXX Police XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX and spoke with an XXXX XXXX XXXX XXXX who researched and pulled up proof of the sale and that the plates were cancelled. The plates had expired on XX/XX/XXXX and the XXXX XXXX XXXX was sold to XXXX XXXX on XX/XX/XXXX. 
XXXX. PAM who is associated with the XXXX of XXXX, XXXX XXXX XXXX XXXX, both make it impossible to try to correct incorrect parking citations by calling them, emailing them, and/or speak to any XXXX face to face.. I have had XXXX phone conversations where they have called me and a mail correspondence. I dove to the South Payment Center @ XXXX XXXX XXXX XXXX as directed by XXXX XXXX XXXX on XX/XX/XXXX. At that payment location I was told to call a number that is directed to XXXX with no way to talk with a person ( call made at XXXX on XX/XX/XXXX. 
XXXX visited XXXX XXXX on XX/XX/XXXX where he stated that the City of XXXX, XXXX of XXXX XXXX XXXX not properly doing their job as I should not be receiving citations on this as my vehicle has a recorded sale in the system stating that XXXX XXXX XXXX XXXX owner of the XXXX XXXX XXXX and that my plates were expired. 
XXXX. Many of the citations are are on other vehicle and the plates are not valid not have been since XXXX. The plates have been stolen.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
On Friday, XXXX XXXX I was notified that there was a security breach with Equifax. I learned from their website that I am effected by this and it is likely my full name, social security number, address, and even my drivers licence number has been stolen by criminals, and I may experience possible identity theft. I am now advised by a different website to freeze my credit, as well as take many other steps to try and monitor the situation- costing me much time, effort, and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
equifax did n't take appropriate measures to protect my SSN, DOB and full address. This greatly exposes me to fraud over the next several years. 

Having Equifax offer an opt-in solution for a single year is far from sufficient - because its easy for criminals to just sit on the data for a year before using it. Also since the protection is opt-in, you can count on low participation rate. I 'm sure Equifax knows all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2018, I spoke with an XXXX XXXX representative to set a Promise To Pay starting on XX/XX/2018 for the amount of {$50.00}. The agent agreed and stated the the arrangement would extend through XXXX but will go back to the original agreement in XXXX. 

On XXXX XXXX I paid the agreed upon {$50.00}. I began receiving harassing collection calls including robo-calls at least 4 times per day. On XX/XX/2018 I called XXXX XXXX and asked that the calls stop. The representative was extremely rude and stated that if I were placed on the " Do not call list '' my bank account would be automatically debited for the outstanding amounts. I stated that I have not authorized XXXX XXXX to automatically retrieve funds either by direct debit or ACH transfer and that I am revoking any access to said bank account. On XX/XX/2018 I paid {$100.00} towards my loan. On XX/XX/2018, XXXX XXXX made an unauthorized debit from my bank account in the amount of {$120.00}. 

On XX/XX/2018, I called XXXX XXXX and the representative stated that she can verify that I had an active " Promise to pay '' that had not been broken and that I had asked to be placed on the " Do not call '' list and that I had " Revoked '' any access to my bank account. I was placed on a repeated hold so that she could reach out to the correct agent as she was not in the department that could resolve the issue. 

Because she was unable to reach the correct department, she stated that I would receive a call back. I never received a call. On XX/XX/2018. I once again reached out to XXXX XXXX but once again received the run-around and no one will return my calls. On XX/XX/2018, I was notified by my bank that XXXX XXXX made another attempt to debit my account this time in the amount of {$140.00} but was refused due to insufficient funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was notified that my XXXX student loans were transferred to Aidvantage ( this action was taken without any request or consultation with me by my student loan servicer ). I am one of the borrowers who continued to pay my loan throughout the pandemic, and made sizeable payments to reduce my student loans : between XX/XX/XXXX and XX/XX/XXXX I paid {$4900.00} towards what were XXXX  student loans, now managed by Aidvantage. XX/XX/XXXX, I waited 1 hour and 39 minutes to speak with an Aidvantage representative by phone to request a refund of all student loans paid on my Aidvantage held loans, because Aidvantage hadnt called me back when I called the day before and left my phone number for a call back when prompted by their phone system. The representative told me he would need a supervisor to approve my refund request because it was over {$1000.00}, but that it was all taken care of ; he said it could take 4-6 weeks to receive my refund. While waiting for my call back from Aidvantage, I submitted this same request in writing to Aidvantage ( I didnt want to be jerked around ). XX/XX/XXXX, I received an email from Aidvantage that stated : I hadnt made any payments, so no refund could be processed. I logged in to my account and my payment history had been scrubbed or cleared : it showed no payments made my me ( even the XX/XX/XXXX payment was missing ). I called Aidvantage and a rep said there were no payments, and so no refund. I asked for a supervisor. She then said she found payments, and asked if an amount in the {$2000.00} range was correct. I said it was not. She said she would submit a request for my payments to be found I again asked for a supervisor. I told her I had deep concern about the management of my account based on the ongoing interactions with Aidvantage. Again, I waited more than 1 hour and 38 minutes and counting. I worked to pay off my loans through sickness, hunger, while I had a Borrower Defense to Repayment claim pending ( still not resolved ) for SIX years, and during a pandemic : I need a company that will not lose track of ANY payments I make, let alone close to {$3000.00} USD, because I dont have that kind of money to lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Netspend Corporation
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an Ace Flare on XX/XX/XXXX through the following link : XXXX XXXX XXXX This bonus offer required opening the account by XX/XX/XXXX ; setting up and receiving within 90 days of account opening, direct deposits totaling at least $ XXXX and maintaining these direct deposits for 3 consecutive months ; and completing 5 purchase transactions per month for 3 consecutive months. I should then receive {$100.00} within 10 business days of completing the activities. My account history is : XX/XX/XXXX : Opened XX/XX/XXXX : ( XXXX ) card transactions XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : {$250.00} direct deposit from my work XX/XX/XXXX : {$250.00} direct deposit from my work XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : {$250.00} direct deposit from my work XX/XX/XXXX : {$500.00} direct deposit from my work XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : {$500.00} direct deposit from my work I should have received the {$100.00} bonus XXXX business days after XX/XX/XXXX, which would be XX/XX/XXXX. I did not receive the bonus and instead have had to keep my account open, which resulted in another {$5.00} fee for my account. In addition, Ace Flare did not refund the first monthly fee of {$9.00} despite me not being able to get a direct deposit in time.

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