BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
disputed a transaction with capital one regarding a transaction with XXXX XXXX to which they double charged me for a transaction for services that were not rendered, i paid for a booking through a 3rd party for a flight via XXXX on XX/XX/2021, ITNIERY and confirmation XXXX FOR {$90.00} WHICH IS THE ACCURATE CHARGE XXXX CHARGED ME ADDITIONAL XXXX WITH A CONFIRMATION " XXXX '' the same day XX/XX/2021 when i called XXXX they acknowledged the error, but stated they can not process a refund, they can issue me a credit voucher for future travel to which i refused, I DO NOT WANT A VOUCHER, I DO NOT WANT TO USE THEIR HORRIBLE SERVICE, THERE WAS NO SERVICES RENDERED TO JUSTIFY THE TRANSACTION, SO IM NOT OBLIGATED TO GIVE XXXX ANY MONEY! AND CAPITAL ONE, IS UPHOLDING THE TRANSACTION!! I PROVIDED PROOF ND NOW THEY ADDED THE BALANCE TO MY ACCOUNT, TO REPORT TO THE CREDIT BUREAUS WHICH IS UNACCEPTABLE, WHERE IS THE PROOF THAT SERVICES WERE RENDERED FOR XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18
Company: Vericred Solutions LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In the beginning of XXXX I noticed a collection on my credit from a Vericred Solutions LLC. I was not notified of this before it was placed on my credit report. On XX/XX/XXXX I mailed a letter asking for debt validation and verification. They failed to comply and send this information to me, which should result in a deletion of credit from XXXX. I have not received any letter from Vericred about this account in any form. This is against my rights and a clear violation. I figured I would write here for resolution prior to contacting my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being harrassed by a collection agency XXXX XXXX XXXX XXXX XXXX XXXX on behalf of a compounding pharmacy ( XXXX XXXX XXXX for bills that accrued during 2020. I was insured by not one but two insurance companies during the time of these bills, but rather than properly bill the insurance companies, they are pursuing {$10000.00} from me. 

From the time of the first bill until XX/XX/2020, I was covered by XXXX XXXX. From XX/XX/2020 through the date of the last bill, I was covered by XXXX. 

I have informed XXXX and TSI on numerous occasions of my coverage, with specifics, but to no avail. I even sent copies of the bills to both insurance companies on behalf of XXXX. However, the bills have not been paid and I am being told that I am responsible for these bills. 

I can not continue to do the jobs of these people, and I am not responsible for bills that should have been paid by these insurance companies. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: CL Holdings LLC
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 information incorrect

Complaint:
I have never signed any paperwork nor had any credit application or business with Jefferson Capital System. I have no idea of who or what this company is, yet they are on my credit report stating that I owe them {$12000.00} which is inaccurate. This information which is inaccurate is very detrimental to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Continental Finance Company, LLC
State: LA
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:
My card was comprised in XX/XX/2019. I called the credit card company and they would never cancel the card. I kept getting late fees and continued to get charges. I paid all the late fees and charges because it was negatively affecting my credit. I had the old card closed and a new one was to be reissued. I have not gotten the new card because I told them I dont want it. Even though, they issued a new number, and now the same thing has happened again. The new card is now comprised. The credit card company hangs up on me when I call about the pending transactions, and the only suggestion they have is to reissue a new card. 
Representative act like they cant hear you and hang up. 
This is a Continent Finance Card, and their customer service is not helpful at all. One representative said the transaction was on the old card and another said it was in the new card that hasnt been issued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received an alert from my credit monitoring that my Discover card limit decreased from {$4700.00} to {$500.00}. I called concerned and was told that due to taking a loan out in XXXX and having a high limit on another credit card that is why they decreased my limit. I questioned how they raised my limit in XXXX {$800.00} and but 9 months later decreased it and again they gave me the same reasoning. The loan they referenced as wanting to see a good payment history was taken out in XX/XX/2018 2 months before they increased my credit limit, of which I have made all my payments on with no issues. Then they quote another credit card that has a high usage of which had a similar balance back in XXXX when they increased my credit limit. When I asked if it was because I haven't used the card is when they started getting confrontational and refusing to giving information on how they determined my increase 8 months ago but 8 months later determined that it wasn't good enough and decreased it by 90 %. They simply saw I was using another credit card and not theirs and reduced the limit thus forcing me to close the card further hurting my credit score. If this has happened to me Im sure it has happened to 10s of thousands of people. Simply because I made a sound financial decision to keep that card as an emergency card they decided to cut the limit. My credit score is the highest its ever been, 3 other credit card companies in the last 60 days increased my credit limit by more than 30 % while they decreased it by 90 %. As Americans try to dig themselves out of debt and build good credit, we have companies like Discover pushing them further down simply because I decided not to use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
I was shopping at XXXX in XXXX at XXXX XXXX  on XX/XX/2020. When I finished shopping and went out of XXXX, I found that 4 cards in my wallet were missing. One of them was a Bank of America card. I opened it XXXX XXXX, I found that my card ending in XXXX had been swiped for three {$1.00}, {$13.00}. {$78.00}. I immediately called the bank and asked the bank to freeze the card, but because of my poor English, the customer service did not freeze My card. As a result, my card was later swiped for {$260.00}. I saw that the merchant who swiped the card was the XXXX where I was shopping. I came to XXXX again and told the staff that my card was stolen and I wanted to check the surveillance. But the worker in XXXX said i had no rights to check the surveillance and asked me to report to the police. I called XXXX. The police just gave me an Incident report RP XXXX, XXXX Police Department telephone number XXXX XXXX XXXX XXXX 
On XX/XX/XXXX, Bank of America refunded the money, but two days later, for various reasons, it said that it was the card authorized by myself or myself, and the money were swiped away agian and refused to refund by BOA. 
When the end number XXXX card was stolen, I knew that the balance in the card was {$520.00}. If I did this, I neednt have to try to pay {$1.00}, {$13.00}, {$78.00}, and then {$260.00}. I can pay {$500.00} at a time. 
And i have thousands of money in BOAI opened this credit card and deposited a deposit of XXXX until XX/XX/XXXX, XXXX.Why i cheat for {$350.00}? But the BOA think i did that, it insult my personality. That why i writer here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04
Company: Advanced Collection Bureau, Inc.
State: GA
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:
I have contacted Advance Collection Bureau , Inc. on the following dates requesting validation of the account that are being reported to XX/XX/XXXX and XX/XX/XXXX. The dates are XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. This company has failed to provide appropriate validation of the account. After receiving a letter on XX/XX/2020, I called and spoke with a representative on XX/XX/2020 at XXXX XXXX, who reports that is the only information received from the apartment complex that the debt was purchased from at the time. The representative inform me that I would have to send a type letter to her manager if I need additional validation. I inform the representative that I will not be sending her manager a letter when I have requested validation four time. The representative became upset and I did inform her that I will be submitting a complaint to CFPB and she said okay no problem I will make note of that. Attached is the letter I received from the collection agency on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Diversified Consultants is contacting repeatedly through out the week and multiple times a day. I have advised them i am having financial hardship but am working very hard to pay down all of my debt. They are continuously calling while I'm at work even though I have asked them to stop. Today XX/XX/XXXX I advised I was submitting a formal complaint. I started to pay down my debt starting in XX/XX/XXXX. Even though I am not paying large amounts, I am trying. The following is a list of all the calls I have receieved in the past 2 weeks, I have saved the screenshots and have the managers name, they are calling from three different phone numbers. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX & XXXX. XX/XX/XXXX XXXX XXXX. I have advised I do not require a settlement, I am willing to pay the debt in full, I just don't have the spare funds. I have rent and more pressing debt which is my priority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 Chase decided to lock my account stopping me from having access to any of my money and said theyre closing my account and dont have to give me any reason whatsoever, they also cant give me and exact date when theyll send me my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Santander Consumer USA Holdings Inc.
State: NJ
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:
Santander Consumer USA Account # XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX {$10000.00} Account has been closed, charged off as bad debt and written off as bad debt. I have sent 3 letters for the deletion of this inaccurate information. I do not owe {$10000.00}. The car was sold at auction and I do not owe this amount that has been reporting for more than a year. 

Under The Uniform Commercial Code, N.J.S.A. 12A : 9-610 ( b ), whereas the lender is not entitled to all of the money it seeks because the sale was not commercially reasonable and, as a result, the sale price was unreasonably low.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XX/XX/XXXX I was late on one payment. Called my loan care to get options. They said I have none. Called again they told me I could do a trial loan modification. Started the process. Was told I would need to pay 3 months and it wouldnt affect my credit score. Also that I could choose to not do it at the end. After 3 months the company went silent did not respond to my calls or email or inquires for help about next steps. Then was told I failed to make 4th payment and have to start over. Called over 5 times looking for call back from manager no responses. Covid hit was told I had to go in forbearance and not do another mitigation because they werent doing them at that time. Was told it would not affect my credit. Called for several months asking when I could comeplete the modification. Finally was able to complete the modification in XXXX. Completed the 4 months. Company told me that my credit report would be changed to reflect payments. I have been making payments continuously only during the 6 month period of forbearance. Was told I had to do forbearance or pay an amount that equates to like XXXX plus interest and not the original debt of the past due payments. I have attempted to email and all this company to fix the errors of the months they are reporting I did not make a payment when Im fact I was making payments under the trial modifications and in a period of forbearance. I was given misleading damaging information that almost out in to bankruptcy and foreclosure from one late payment. I was told during that one month of a late payment my only option was a loan modification which is untrue. Ive asked them to pull the calls several times. I would have not entered into any agreements without the false and misleading information from their staff. Now I am showing that I have not maid a payment since XXXX when in fact I have been making payments. They refuse to investigate or fix their mistakes. They have been made aware of my complaint for 2 years now and have failed to act or remedy the situation

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 2021-07-20
Company: C B Merchant Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CB Merchant services called me on XX/XX/XXXX did not leave a message after seeing my caller ID I called the number back> I was advised by the customer service rep that XXXX XXXX XXXX XXXX office had referred the bill to their office back in XXXX but due to the pandemic they were not in the office and now they have reported the bill to credit reports as a collection. I advised the rep that was incorrect that I have XXXX  insurance and that all my co-payments were paid. At that time the rep indicated that they will reach out to the XXXX XXXX office who since retired and get back to me until then the collection would remain on my credit report. 

This bill was paid in full and I want CB Merchant to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Collection Bureau of the Hudson Valley, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Collection Bureau of Hudson Valley put a negative collection account on my credit file regarding a optimum bill in the amount of {$290.00} this was included in a bankruptcy in 2019. I never received notification from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: WELLS FARGO & COMPANY
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:
My complaint is with XXXX  credit bureau. Every time I submit a dispute about information not belonging to me there always trying to block what I send. I am a victim of identity theft and Ive sent everything they have asked for from confirming my identity to submitting police reports and ftc reports and all. Recently I submitted paper work to have things blocked on my report and again I sent all the right paperwork over and they still tell me there not going to block it because they need more information which I sent them. XXXX has been giving me a hard time for the past few months and its getting out of hand soon as I dispute something that was not mined they says its accordance they agree with the other side even when Ive submitted proof to them and court papers and all but yet there still taking there sides and even lowering my credit scores. My XXXX  lock was taken off a couple of times and I couldnt lock it back. Im tired of XXXX  being biased towards me then has to end. I will be submitting a cease and desist order to XXXX  as soon as I finish my motion in court if this does not stop.

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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021, I received a letter from the Department of Education ( SEE ATTACHMENT ) stating I'm discharged from my student loans. It also stated that they contacted the credit bureaus to remove the discharged student loans off of my credit report, which still hasn't been removed.

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 2020-06-27
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
Credit report showing Best Buy account as delinquent. Account is PIF {$1200.00}. This is FTC Violation.

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 2020-10-11
Company: CARVANT FINANCIAL LLC
State: NJ
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:
Carvant Financial LLC Account # XXXX {$9300.00} Closed : XX/XX/2016 I have sent 3 letters to the credit bureaus and Carvant Financial to have the inaccurate item removed from my credit report. I received no information about the sell of the car. The amount reported is wrong. It is also listed as an auto loan and not a credit sale. 

Under The Uniform Commercial Code, N.J.S.A. 12A : 9-610 ( b ), whereas the lender is not entitled to all of the money it seeks because the sale was not commercially reasonable and, as a result, the sale price was unreasonably low.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Experian Information Solutions Inc.
State: WA
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:
These are not my accounts, addresses listed, name, nor did I authorize these companies to run my credit. Please remove them.

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 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this 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 explanation
Consumer complaint received 2020-11-04
Company: OneMain Finance Corporation
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: Account information incorrect

Complaint:
I paid {$2800.00} to settle One Main Financial account, i have disputed this account 2 times. 
The first time they didnt not change or update credit report. 
the 2nd time they deducted the total amount owed by my settlement amount and report that i still owe $ XXXX and do not show that they account was been settled with {$0.00} owed. 

I have a copy of settlement letter showing that the account is settled and balance owed is {$0.00} but they are refusing to update credit reporting.

Company response to consumer: Closed with explanation