BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/2021, I sent funds to a family member using my credit card from Capital One. I immediately noticed that there was a Cash Advance fee of {$10.00} for the transaction amount of {$64.00}. On XX/XX/2021, I paid the amount of {$74.00} leaving a balance of {$0.00} on my card. Later charges were made by me, and what I am noticing is that Capital One has continued to charge me a Cash Advance Interest fee. The explanation given by Capital One customer service reps was that I needed to call in the get a pay-off figure before paying and that the CA interest will continue to accrue at the variable rate of 26.99 % until the balance is paid in full (? ) well it was! is what I explained. 
I have attached a copy of my statement charges. 
I am aware of how they make their money, it's all on high-interest rates and fees, but don't go overboard with it. This is taking advantage of people who are trying to rebuild their credit. 

Thanks for your assistance in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 have filed a complaint on numerous occasions against credit acceptance with XXXX. The account shows to be opened and credit acceptance is reporting the account is missing payments every month but the vehicle was voluntarily surrendered by me and sold by credit acceptance in XXXX of this year. XXXX from the complaint department has been handling my complaint. She is very unprofessional, not knowledgeable at all and refused to get me a supervisor when I demanded one several times on more than one day. Everytime I call credit acceptance they route me to XXXX and its unbelievable that someone so incompetent of their job is handling my complaint in the first place when I have asked for supervisors who are more knowledgeable of this situation. I no longer have the vehicle it was sold in XXXX the account is suppose to report CLOSED due to voluntary repossession. XXXX stated that there is nothing that they can do and to contact XXXX. XXXX  stated that I have to contact credit acceptance. No one is helping me. This is my 2nd complaint.

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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2017-08-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had trouble getting a dispute through to Experian, involving a collection account on my credit bureau report that is inaccurate/not mine. Despite three attempts to get my dispute through to Experian via the CFPB, my disputes have been returned " duplicate '' disputes. This may be because I had already attempted to resolve the matter directly with Experian - to no acceptable result.
The matter involves an open collection account on my Experian bureau credit report - for XXXX XXXX - that represents a collection for a credit card I never opened or owned.
I have disputed this matter with credit bureaus XXXX and XXXX. They both have removed the XXXX XXXX collection account from my report, as their investigations found that the account is not mine. I am asking that Experian do the same.

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 2017-08-09
Company: DISCOVER BANK
State: IL
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:
In XXXX my card was stolen and used for over {$1000.00}. I called within 2 days of the first charges. Discover assured me it 's 0 % liability and I have nothing to worry about. Later I was asked to get a police report and went online to file it, I gave the temporary report but it was n't good enough and they determined no fraud involved. I asked to appeal. Advised to get another police report, which I did. I called it in. Everything was assured to be covered under Discovers 0 liability. I received a new letter X/X/17 stating since nothing new was submitted case was closed again. This was incorrect because I submitted a new police report. In addition to the customer service notes showing I called to cancel and replace the stolen card in XXXX. Help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CITIBANK! The worst bank that ever existed! I deposited money to my account ( around {$10000.00} or more ), after a while they froze my account and said they are closing my accounts due to the fraud I had recently suffered and ceased all my funds! They are not responding at the branch, their customer service is in XXXX, or XXXX or XXXX! When you call them they say they are holding my funds for review for 60-90 days (!!!! ) and let me know what their final decision will be! This is called XXXX  and an illegal - literal theft of my money! This bank needs to be shut down and closed forever. 
Waiting for your help to get my funds back and fining this financial institution!

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 2020-05-19
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the firstime in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY FILED {$0.00} CHAPTER XXXX DISMISSED {$0.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$540.00} XXXX XXXX  XXXX {$180.00} XXXX  XXXX   XXXX {$450.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX {$660.00} XXXX  XXXX {$950.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$60000.00} XXXX XXXX XXXX {$1100.00}

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 2020-07-06
Company: Lending Club Corp
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, Around XXXX of 2020, I spoke with a representative regarding options for payment relief for Lending Club. She told me about a Deferment plan that I can do. I proceed to ask her questions and she did tell me that I would accrued more interest and instead of me paying in 36 months I would extending to 38 months. She also said when I start back making payments that some will go on the principal and some will go on the interests. So I agreed to do the two month deferment, I did not make a payment in XXXX, however, I made a large sum of payment in XXXX and XXXX they start taking out my regular payment. I checked my account on XX/XX/XXXX and I was extremely shock that my XXXX payment went all on the interest and none on the principal. I was deceived, if I would of known that my XXXX and possibly my XXXX payments would go all on interests I would NOT agreed to the deferment plan. This is unfair business practices and withholding information as vital as this one is not best business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I received a confirmation that I bought {>= $1,000,000} worth of Bitcoin. Apparently I messed up with the verification process and they locked my account. I found a guy named XXXX XXXX that said he could help me get back into my account and transfer my Bitcoin to my XXXX wallet. It didn't feel right so I cancelled the transfer. This was done XX/XX/2021 at XXXX PDT. Since then after numerous emails promising to unlock my account I am still locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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: Information belongs to someone else

Complaint:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND MY PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO APPLY FOR ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: A & O Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a letter delivered to a former residential address of mine from a debt collection company named XXXX XXXX XXXX ( CCI ). The letter was dated XX/XX/XXXX. The letter claimed I owed {$30.00} to XXXX, a utility company based in Illinois. I had never before received any form of communication regarding this debt ( no phone calls, letters, emails, etc. ). I immediately called CCI ( the number listed on the letter ) and spoke with a representative named XXXX XXXX. She looked up the provided account numbers, verified that the debt had been sent to them, but that they no longer had the account. She could not tell me where the account had been transferred, and recommended I call XXXX directly. I immediately called XXXX and spoke with a representative named XXXX ( she would not provide me with her last name or any other type of identification information ). XXXX told me the {$30.00} was allegedly owed on XX/XX/XXXX and issued in the form of a paper bill on XX/XX/XXXX for {$29.00} ( she could not explain why the new total was now {$30.00} ). I explained to her that I had had several years ago ( many years prior to XXXX ) had an account with XXXX when I lived in XXXX, but that all of those bills had been set up as automatic payments straight from my banking account. She told me that the debt had been transferred to CCI, to which I explained that they no longer had the account. She then said it must have been transferred then to another debt collection agency, but she could not tell me what company and admitted to not knowing who was handling the alleged debt. I then asked her if she could produce the original bill owed to show what services it came from or any proof that they had sent me notices of said debt, and also the different debt collection agencies they may have sent the debt to, since I had never before received any notification of this debt ( it's now nearly 3 years later at this time ). She put me on hold and spoke with a supervisor, and she told me that they would not be able to provide me any copies of the bill or services rendered, or any other proof of a debt owed. She also was able to confirm all of my personal information ( phone number and email ) and acknowledged that they could have contacted me through those avenues regarding the alleged debt. She also was unable to find any of the other debt collection agencies that the account had been sent to. She then recommended that I file a complaint with the CFPB because XXXX was unable to find or prove that I owed them any debt. I have not received any communications from XXXX or any other debt collection agency since then to present, XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is not my account and i was repeatedly harrassed to pay for this account debt!!! I have asked politely to be removed from the contact list and to remove the account but im constantly being ignored. THIS IS NOT MY ACCOUNT AND I WISH TO BE LEFT ALONE! They have no proof of me physically coming to get an account and therefore i shouldnt have to pay for anything i didnt get a product from. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY IM SICK OF THE HARRASSMENT!

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 2023-01-02
Company: EQUIFAX, INC.
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:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belong to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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: Account status incorrect

Complaint:
I noticed this account was reporting differently between the Credit bureaus and posted inaccurate late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: JPMORGAN CHASE & CO.
State: CA
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:
See previous complaints filed about this same matter : XXXX & XXXX. Chase Bank Credit Card has still not provided an address or phone number or an email address for me to contact regarding the disputed transaction. Chase provided me with a contact for XXXX at XXXX XXXX, but not for the " XXXX XXXX  '' app which is a separate entity and who it was that charged my card in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Called my bank on XX/XX/2020 about unathorized transactions.

They gave me a credit the following day.

Total amount was {$5700.00} They also provided me with a new debit card.

After that date i had no more unathorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions 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:
The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud on my credit report. The creditors said that they had notified Experian of this and it is Experian who should make these changes by removing the inquiries. 

XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX/XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX XX/XX/2020

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 2023-05-12
Company: EQUIFAX, 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:
I was trying to buy a house and i realize that i have some damages on my credit reports. i call the credit bureau and to help with the hard inquiries, name and addresses. XXXX, XXXX and Equifax fails to help so do the creditors. Also, most of the accounts are inaccurate, according to the 15 USC 1681 law, there should not be any damages on my report.is a defamation to my character. These companies are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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 for almost two months ago for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. I do online jobs for me to earn a living especially during this times of pandemic. Ive lost my job since last year due to retrenchment. This is the least way I could do to earn a living to fed my family. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
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:
Today I got a credit alert from Equifax and there was an alert that decreased my credit score. The alert was on an inquiry from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah, XXXX from XX/XX/XXXX ... Last time I checked it 's XX/XX/XXXX. I called the bank listed with the number provided. They checked their data base against my information and of course I did not show up in any of their departments due to the fact, I did not apply for credit with this bank. I believe Equifax and their employees are maliciously damaging my credit from previous complaints. They are adding accounts that are not mine, XXXX 's account that was allocated by the store of purchase to my ex husband, I have disputed. They fraudulently adding inquiries, they are fraudulently increasing my debt to credit ratio. Something MUST BE DONE! This is the third time I 've made a formal complaint, two to the FTC and one to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation