BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: Experian Information Solutions 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:
XX/XX/XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALSO THESE INQUIRIES ARE NOT MINE XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Finance Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from  XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business  days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Captial One Bank USA, placed a credit inquiry on my credit report. The inquiry was made on XX/XX/XXXX. I have informed Captial One Bank USA that I have not applied for any type of credit from Captial One Bank USA. I have written several letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX explaining that I have never applied for anything with their company, to date, I have not received any response to my letters. I also called several times, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Each time I called, they took my personal information and stated that they have put in a request to have this inquiry removed from all 3 credit bureaus, as they did not have a record of an inquiry from me. They also stated that I should wait 7 day and the inquiry will be removed for all 3 credit bureaus. They also stated that I will also receive a letter that this inquiry will be removed from my credit report. I have yet to see this inquiry removed or received a letter stating that is will be removed as they agreed that it would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I am trying to access emergency funds that were outlined by the CA EDD within this webpage https : //www.edd.ca.gov/about_edd/FAQs_The_EDD_Debit_Card.htm Under the section on the webpage identified as More FAQs and the second bullet point with bold font it has the following : How can I get cash from my EDD Debit CardSM for an emergency situation if I dont have my card? 
Bank of America can assist you with a domestic emergency cash transfer if you need funds from your EDD Debit CardSM immediately and are still waiting for your card to arrive in the mail. Refer to Bank of Americas Schedule of Bank Fees page for fee information on  emergency cash transfers and other services. To request an emergency cash transfer, you must contact the Bank of America EDD Debit Card customer service by calling : XXXX ( voice ) XXXX ( TTY ) Collect at XXXX ( if outside the U.S. ) When I click the hyperlink within the faq it directs me to the following page. https : //prepaid.bankofamerica.com/EddCard/Program/Fee As I research the fee schedule and determine what I am looking to accomplish is outlined in the section named Get Cash in the US with the following verbiage Emergency cash transfer, domestic {$15.00} All emergency cash transfers must be initiated through the Prepaid Debit Card Customer Service Center . 

This is exactly what I am trying to accomplish but Bank of America is incompetent. I called on XX/XX/2020 to discuss my request. I was advised by the phone banker that they were unable to fulfill my request and I needed physically visit a branch to fulfill my request of emergency funds. I visited a physical branch on XX/XX/2020 and was advised they couldnt help me and I needed to discuss my request with the prepaid card customer service. I am being sent in circles with nobody taking accountability. Further I am constantly asked for my debit card which I do not have and waiting on hence my need for emergency funds transfer to my financial institution. What I am trying to accomplish is in writing then I am sure it can be done but the level of incompetence is astounding.

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 2019-02-12
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, XXXX is reporting on my XXXX, XXXX  , & XXXX  credit reports that I owe them {$1400.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to Covid caused financial hardship, I have been unable to make consistent monthly payments to Synchrony regarding my Amazon.com card. They have already made a ton of money off of interest from me and I would just like to settle the account or reach a better payment agreement as Covid has really hurt my business.

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 2022-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 been having 2+ years problem with getting refund for flights bought on XXXX for XXXX XXXX XXXX. In summary what I need from Capitalone is statements from 2020 XXXX to XXXX sent to me electronically at XXXX. I looked at website but available statements do NOT go back to 2020 Please send electronically in letter to me thru this portal of email Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Today I attempted to pick up a moneygram transfer in the amount of {$200.00} reference number XXXX at the XXXX XXXX XXXX - # XXXX located at XXXX XXXX XXXX XXXX, MD XXXX. I used the moneygram app to begin the receive. However, when I reached the register the agent said the transfer was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with two different company representatives from Convergent Outsourcing Inc. regarding account number XXXX who have confirmed that the social security number on file with account number XXXX does not match my social security number. I have explained to this company that this account does not belong to me. Convergent Outsourcing Inc. has refused to remove this file, and has since sent a debt collection letter. Convergent Outsourcing Inc. continues to negatively report on my credit file, knowing that this account does not belong to me.

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 2019-02-12
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a NON-CERTIFIED/NON-REGISTERED letter on XX/XX/2019 from EOS CCA ( letter dated = XX/XX/2019 ). The letter stated that I owe their client " Commonwealth Of Massachusetts Department of Revenue '' a Tax Liability. The following information was included in the letter : -Taxpayer ID # : XXXX - EOS CCA Account : XXXX - Total Due : {$1200.00} " We are a collection agency attempting to collect a tax liability. Any information obtained will be used for that purpose. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX : XXXX XXXX XXXX " No SSN or Hard Credit Pull Required Typically for Pre-Qualification* '' on its website, but then did a hard credit pull without my authorization. I never gave them my SS # or my wife 's, in fact I do not even know her SS #, yet they seemed to have them on file already from a prior mortgage application ( with a different bank ), and used them to do a hard inquiry on both of our credit histories without our consent.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... $ XXXXper month ... wife has XXXX and was XXXX..i had to take care of all bills.

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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX and Transunion are reporting incorrectly a current balance due of {$4900.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The full balance was paid by the dealer XXXX XXXX XXXX XXXX XXXX and therefore there is no outstanding balance to report. Please see items highlighted in yellow on the pages attached clearly stating this was paid by dealer. XXXX  is reporting correctly. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX to fix this however, I have not been successful.

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 2020-01-28
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
I filled a complaint with you all and Equifax, about not being able for companies to pull my Equifax Credit file. I was told to have the businesses to call the Equifax Business Services for them to Work on the problem. This is the response I received back from the businesses about the Equifax Business solutions about why they can't view my file. It needed to be compressed and they told the companies my file credit file is too large. 

Here is Equifax response : COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items. This process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. Once we receive all of the responses, we will send you a copy of the results and a revised copy of your Equifax credit report. 

In my original complaint I said nothing about INACCURATE or INACCURACIES on my credit report. I SAID FOR THEM TO FIX MY EQUIFAX REPORT WHERE I AND COMPANIES CAN BE ABLE TO PULL IT WHICH MEANS COMPRESSING THE FILE!! I AM NOT SATISFIED WITH THEIR PAST LYING RESPONSE AND IF ANYONE CAN READ YOU CAN SEE WHAT I ASKED FOR. I ASKED FOR THEM TO FIX MY CREDIT REPORT WHICH MEANS COMPRESSING IT BECAUSE THEY TOLD THE COMPANY THE MESSAGE THEY WHERE GETTING MEANS MY FILE IS TOO LARGE AND NEEDS TO BE COMPRESSED SMALLER!!!! STOP WITH THE STALL TASTICS? PLEASE GET THIS MATTER RESOLVED IT'S BEEN LONG ENOUGH AND I HAVE CALLED THEM OVER 20 TIMES ABOUT THIS, AND THEY LEAVE ME ON THE PHONE AND HAVE NO EARTHLY IDEA OF WHAT I NEED DONE!!! I'M TIRED AND WANT TO PULL MY CREDIT REPORT!! EQUIFAX IS A JOKE AND NO ONE UNDERSTANDS MY PURE ENGLISH TALKING AND IT IS VERY FRUSTRATING!! PLEASE HELP ME GET THIS RESOLVED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: LEXISNEXIS
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear LexisNexis ; I recently received a detail report on my LexisNexis credit file and I was looking through it, and noticed that there is an error with the way an Item is reporting with your organization and I would like it to be removed immediately. I extract some pages on the pile of paper that you send me, and I would like your company to remove this item from my credit report immediately. 

My rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I demand these accounts to be deleted from all current and future credit reports.

Additionally, please send me an updated FULL report once this has been resolved.

I believe that under Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Experian Information Solutions 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:
After that I discovered that there was a XXXX XXXX XXXX credit account and addresses on my experian report that were definitely not mine and hurting my credit score, I submitted dispute by phone call to the credit bureau, and they failed to remove the false information each and every time I submit the dispute and I did that 3 times. 
I called XXXX  multiple times and confirmed with them that there is not a single bit of information in their system on my SSN. Yet the dispute results always said the creditor confirmed the information. 
The false information is not on my XXXX or XXXX reports. The results did not come with any confirmation of why it was on my report, or even the full account number so I can provide to the XXXX reps that I talk to.

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 2017-12-04
Company: BARCLAYS BANK DELAWARE
State: KY
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:
There are many inquiries on my credit report that I did not authorize, XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX fromXX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX XXXX has multiple inquiries from XX/XX/XXXX-XX/XX/XXXXThis inquiries were never authorized by me and I would like them 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 explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Ive disputed this item from XXXX XXXX hm mortgage several times this isnt my account. Please verify information and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer to apply for a XXXX XXXX XXXX credit card and if I spent {$2500.00} in 3 months ( I spent that in 1 month ), I would receive XXXX airline miles. I am told now since I had a card within the past 24 months, I am not eligible. I never received ANY notice of ANY kind that I was not eligible for the reward before or after applying. If, when I applied, I was told I would not get the reward, I would have cancelled my application. If, after receiving the card, I was told I would not get the reward, I would have never used the card.

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 2019-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I was offered a promotion from Capital One bank to add a credit card to XXXX XXXX whereby I would receive a {$25.00} statement credit within 1-2 statement cycles. The dates of the promotion was XXXX. I added my capital one credit card ending in XXXX on XX/XX/XXXX. I received a confirmation email from Capital One on XX/XX/XXXX stating that they had successfully added my credit card ending in XXXX to XXXX XXXX. 

I waited 4 statement cycles and have not received the credit. I contacted customer service at Capital One on XX/XX/XXXX and spoke with a front end operator and a supervisor named XXXX ( Operator # XXXX ). He refused to honor the promotion, claiming he had no record of it, he was too lazy to bother looking it up online despite me giving him information on where to find it, and would not forward my request to the marketing department to research further. Also he would not provide me with an email address to forward a screen shot of the promotion and of my confirmation email. The supervisor was quite inept. 

The promotion in question can be viewed at the following weblink that is on Capital One Bank 's company website : https : //www.capitalone.comXXXX   Here is the info copied from the promo : " Timing The Offer begins on XX/XX/XXXX, at XXXX XXXX Eastern Time ( EST ) and ends XX/XX/XXXX at XXXX XXXX. ( EST ) ( the " Offer Period '' ). Offer is subject to cancellation at an any time ( including when the promotional funds are exhausted ). Our server is the official time-keeping device. 

The Reward The reward is a {$25.00} Capital One statement credit. Once earned, the statement credit will be automatically applied to the account associated with the Qualifying Card within one ( 1 ) to two ( 2 ) billing cycles. 

Note that statement credits lower account balance but do not count toward monthly minimum payment obligation. 

How to Earn the Reward During the Offer Period, Participants must enroll in XXXX XXXX using a Qualifying Card on a Qualified Device. ''

Company response to consumer: Closed with monetary relief