BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My wife and I opened a capital one Venture card about 6 months ago and capital one abruptly and unexpectedly locked our account because they said they needed verification of my ownership of the account I pay the credit card from. I reached out to my local bank ( XXXX ) and was advised that I should not send them an account statement due to capital one 's recent data breeches as well as it just being a generally stupid idea to send sensitive account information over the internet. Capital one then suggested that they speak with XXXX directly which they did twice on two different occasions with 2 independent employees. Capital one said this should be all they needed, however I was informed 2 weeks later that this was not sufficient and that I still needed to send a statement to verify my account. Then I sent a document prepared by my bank that confirmed ownership of the account which included transaction numbers dates of payments ect. Capital one stated that this too should be sufficient but To date, I can not close my account or make any changes to it because my account remains blocked. Capital one is completely resistant to helping get this issue resolved as it seems they are intent on keeping me hostage with an account I can not use or close.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1 never showed proof of claim failed to provide an actual contract where the actual flesh and blood name XXXX XXXX dually signed and witnessed by both parties not the unilateral agreement and which apone pg there there is reference to the entire agreement .proof of claim that rash Curtis is the original debt holder and a detailed invoice not a stament to which rash Curtis has lost any monies due to the mention debt And why are rasjh curtice o make false claims. And illegally place and report fictitious statements to the credit brought

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is a formal complaint that XXXX are reporting inaccurate and incomplete credit information. 

Disputes filed : XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am distressed that XXXX have included the information below in my credit profile and that XXXX has failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I've received CFPB paperwork in regards to this complaint with # XXXX. 
Many years ago I opened a credit card account with Sears. And then I realized that it's no longer Sears but rather Citi Bank Master Card. Therefore the card was taken over by Citi Bank without my knowledge or agreement and the new higher interest rate was imposed. I did reach out to Citi Bank and asked them to clear the situation and I specifically refused to have anything to do with Citi Bank and all XXXX credit cards that they issued on my name without my knowledge but it was never resolved.

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 2017-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello, I am being sued by Portfolio Recovery on an Timed Barred debt. The last activity ( payment ) on this item was in XXXX XXXX. There have been no payments, offers to pay, no conversation what soever with Portfolio about this item until the pretrial occurred with a representative Portfolio hired. 
The collections automatically dropped from my credit reports in XXXX or XXXX per the Federal reporting of 7.5 years. The other situation is this was my daughters account and I was an authorized user but the original card issuer ( XXXX ) had my name listed as the account holder. 
I have already had the pretrial and the court date for trial is XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
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:
upon checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.These accounts have to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Regional Management Corporation
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: Investigation took more than 30 days

Complaint:
I received a copy of my credit reports and see that XXXX XXXX is reporting that {$1200.00} is owed to them. After multiple attempts to get debt validation, I have not received a response from XXXX XXXX. I asked for them to validate the following : 1. What was the account number.? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay them this sum of money. 4. What was the original date of delinquency for this account? I required compliance with the terms and conditions of my letter within 30 days of their receipt or a complete removal from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: OH
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has been reporting to my credit report for years, which is damaging my credit. I have received NOTHING in the mail to verify what this is, and to my knowledge I don't owe anything to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/20, my Bank of America credit card was denied at XXXX, XXXX XXXX CA. I called credit card customer service and was told my credit card was denied due to over draft. They said I had nearly {$7500.00} outstanding balance which included an amount I never used. They did some research and found that someone ( a suspect ) used my full name, my SSN # and other personal information and opened online Bank of America bank checking account. The suspect initiated XXXX XXXX from my Bank of America credit card in the amount of {$3800.00} on XX/XX/20 and transferred from bank account the suspect created. I reported incident on the day I found the identity theft. 
One of the identity theft victims rights is to submit Identity Theft Victims Fraudulent Account Information Request to bank to get information about Account Information. I send the request to Bank of America in writing. Bank of America refuses to provide those information I requested protected by 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), California Financial Code 4002 and 22470, Civil Code 1748.95 and Penal Code 530.8. 
I am filing a complaint for the refusal of Bank of America to provide the Account 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 2022-04-26
Company: ROBINHOOD MARKETS INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I attempted to login to my Robinhood account. I was told that the password was incorrect when I attempted to reset the password I received a message that stated I needed to email Robinhood because my account had been attempted to be accessed outside of the US. I emailed and stated I no longer wanted to unlock the account I wanted to close it because of the breach I no longer felt comfortable. I received an email from Robinhood asking for all my personal information the same day it was requested. I received an email today stating that they were going to close my request because it was not received. I emailed back and stated that I had sent it and I was concerned that my PII was not tracked properly. Later today I received an email stating that in order to close my account they need me to take a picture of my ID and send it to them. This is unacceptable. Robinhood does not protect their consumer and puts the consumer at further risk by requesting PII over an non-encrypted email. Consumers should know that Robinhood does not protect their information. It is not a safe platform to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: CURO Intermediate Holdings
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On the XXXX XXXX XXXX of this year, I entered into a payday loan with Speedy Cash for {$860.00}. I have made four payments to date, totaling {$470.00}. Today, I called Speedy Cash to find out my pay off balance. While on the phone with the customer service representative, it was discovered that my loan is an illegal loan, because I am a resident of New Jersey. Speedy Cash by law can not do business in the state of New Jersey due to their loan practices. They then proceeded to say that I fraudulently applied for the loan, and this is absolutely untrue. During the application process, you must provide your drivers licence information. I provided my correct driver 's license information with my current address in the state of New Jersey. They continue to suggest that I was fraudulent in my application. Again, this is untrue. I am requesting your assistance with respect to the resolution of this illegal loan. I offered to pay the original balance minus the payments I already mafe ; however, they denied the offer, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank froze my account to all withdrawals. Began on XX/XX/XXXX. On line it said it was because I needed to fill out a XXXX and signature form but when I clicked on it to fill out forms it said " not available at this time, please try again later ''. Then I called the bank on the XX/XX/XXXX, they said they were doing a review of the account because of returned items and it would take three business days and be available on the XX/XX/XXXX. On the XX/XX/XXXXmy account was still frozen so I called again, spoke to an excutive customer service agent and this time they claimed the account was frozen because they believed someone tried to hack my account. They did n't know when my account would be unfrozen. Then they hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Mercedes Benz Financial Services
State: NC
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: Problem with personal statement of dispute

Complaint:
In 2013 I lost my business due to a divorce. It was a great business that I had done very well at for over 10 plus years. I was unemployed for several months. I had to have XXXX on both of my feet. So I suffered a great loss of income during this time. I also owed the irs a great deal of money in sales tax. I had to pay them. I got it paid back. I had to give my car back. It wasnt what I wanted to do but I had no choice. 
Mercedes is continuing to report this to my credit every single month and it is hurting my credit. It has been 6 years. I just dont feel like I should have to continue to suffer from this any longer. It was a devastating time in my life. I have tried to get past it and do better. So if there is anything you can do to help me it would be greatly appreciated. 

Yours sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
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: Account information incorrect

Complaint:
This credit reporting agency will not update my account status to paid in full. Because this account is paid off.

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 2022-04-26
Company: Chime Financial Inc
State: IL
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:
On XX/XX/2022, at the end of the day ( payday ) after checking my balance there were 2 charges for XXXX that I didn't make. I immediately called XXXX thinking they allowed someone to order on my account, but after providing the names of the restaurant ( one in XXXX XXXX ), I advised that was not my purchase. I also provided information on my XXXX account that my last order was on XX/XX/2022, but to no avail. I received a result of denied in a matter of minutes and they couldn't have reviewed the email I sent. The agent I spoke with the name was XXXX. I called back with an appeal and spoke with XXXX who stated he found the email ( I had sent it to the wrong email address ) so they couldn't have reviewed it. Again, they immediately declined the appeal which I do not understand because I sent proof and this time, supposedly, XXXX attached it to my appeal. I didn't make those XXXX purchased on XX/XX/2022, one for {$76.00} and the other for {$72.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$760.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$330.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX : {$760.00}

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 non-monetary relief
Consumer complaint received 2020-12-23
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.

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 2021-12-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am still harassed by XXXX XXXX with this pre-selected credit card offer after I opted out national DO NOT CONTACT. Please REMOVE me from all communications.

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