BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
in XXXX of XXXX i realized a fraud alert was placed on my consumer credit report. i have sent in a copy of my drivers license, social security card, and lease along with a copy of my birth certificate to the mailing address of equifax. i have sent these documents at least twice a month since and the alert is still on my report. i need this alert removed from my report so i can further repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: BARCLAYS BANK DELAWARE
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:
I accepted an offer for a balance transfer to my checking account for {$4900.00} with {$98.00} fee. This was charged to my account twice on XX/XX/XXXX. This double billing put me over my credit limit by {$5000.00}. I knew that with that showing on my account they could report it to the credit bureau which would very much impact my credit score and cause other companies to raise my interest rate. I contacted them immediately by phone. The first person indicated it would be corrected within 24 hours. It was not. I called 4 more times and each time I was given different information. The 3rd call I got a case number and told it could be 7-10 days to correct. I sent 7 emails to their secure email with none of them being read. I faxed the information providing copies of the double posting ... no response. I knew my statement would drop on the XX/XX/XXXX and it automatically goes to the credit bureau. I had to take every penny I had and pay my balance back down to the credit limit to prevent it from showing up as over my credit limit so the balance transfer hurt me much more than it helped. Now I've been informed it'll be another 25 business days before they can give me their " outcome '' decision.

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 2022-12-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I noticed a {$9000.00} cash withdrawal from my Chase checking account that I did not make. I called the fraud/claims department at Chase at XXXX and was told that since the withdrawal was pending I had to wait for it to post the next day, go to the Branch and file a claim in person. On XX/XX/XXXX I checked by accounts online, saw that the {$9000.00} withdrawal posted, printed the voucher, which indicated a withdrawal date of XX/XX/XXXX, my signature forged and an account number crossed out and my account number written on top. On XX/XX/XXXX at XXXXXXXX XXXX I went to the XXXX XXXX Chase Branch in XXXX  and filed a claim. I was told that the paperwork was submitted that day. It would take 3-5 days to investigate, which I don't understand why as this transaction was conducted at a branch in XXXXXXXX XXXX, I do not live anywhere near there, this pattern of transaction was completely out of pattern and I FILED/SIGNED the declaration that the transaction was not mine. On Monday XX/XX/XXXX I called the claims department and was told that the Dept still hasn't received my declaration and it can take 2 business days, it was sent internally!! Went back to branch they confirmed was sent, now the branch is saying investigation can take up to 8 days ... why? I am out {$9000.00} it was not me, and they can prove it. My account should have been credited immediately!!!!! In addition I would like to know why a transaction conducted at a branch on XXXX did not post to my account until XX/XX/XXXX?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-12
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe or recognize the erroneous debt of {$2700.00} which National Credit Systems have been reporting on my credit profile with the credit bureaus and have woefully ignored and failed to validate my request to legally validate my request per Section 609 of the FDCPA ( Fair Debt Collection Practices Act ) or delete it with deliberate speed. 

Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: AZ
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 contacted Experian on three different occasions I advised them that I have been a victim of identity theft I provided them a police report and told them that the XXXX account is not mine and I didnt authorize this account I also advised them of inquiries that were not mine. The XXXX account is not mine and there refusing to remove it even though I have a valid police 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 non-monetary relief
Consumer complaint received 2023-03-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo has taken overdraft fees numerous times when I had money when the purchase was made.

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 2023-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have held a new CapitalOne Venture One credit card for more than 3 months. Their " New Cardmember Offer : Earn XXXX bonus miles once you spend {$500.00} on purchases within the first 3 months from account opening. '' I waited for the new cardmember period to end to see if the bonus would ever be applied. It was not, so I called their customer support. The worker informed me that nothing could be done and that my card didn't come with the bonus. That some cards get the bonus and some cards don't like some luck aspect even though they advertise publicly on their website that you get the bonus after spending {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Square Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Institution offfering banking services : SQUARE INC C/O SQUARE BANKING The problem is this company has offered me banking services, which include a checking and savings account. I make use of the checking account services offered by SQUARE. On XX/XX/ I requested standard monthly banking statement including the following first and last name, the account number associated with the checking account. 

It was explained to be by the SQUARE Representative that the company does not provide such documentation. Considering I pay a banking fees associated with the service, it is not clear to me why SQUARE INC. would not be able to provide consumers with documented proof of being a legitimate checking account holder. 

Not having a bank statement has put a halt on my ability to conduct other business in other areas. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: JPMORGAN CHASE & CO.
State: MO
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:
I have recently obtained a copy of my credit bureau –XXXX credit report.  It showed an inquiry by your company twice that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm a customer with Capital One and several years ago made a {$100.00} cash advance, which they have been charging me interest on every month since. I have brought the balance lower and higher than what it was when I took the cash out and make larger payments than the minimum a month. However I have had to use the card recently for medical expenses and have been trying to pay off the cash advance so they stop charging me an additional interest fee every month on top of the normal interest they charge. I called and talked with a manager named XXXX who said since the cash advance and normal purchase rates are the same they can't allow me to just pay off the cash advance due to federal regulations and that they would continue charging me the interest on the cash advance until the entire balance is paid off. These companies are taking federal laws that are supposed to protect the customer and weaponizing them against us so they can nickel and dime us for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my credit card on XX/XX/XXXX after getting fradulent recurring charges appearing on it even after reporting the issue everytime and then getting the card blocked to get a new one. 
While closing the credit card, I had yearly membership fee of {$500.00} for the year XXXX along with {$65.00} worth of purchases I had made. I was told that after I pay the purchases, I can cancel the card as the fees will be reversed. Now after being charged interest and late payment fee on the yearly membership fee, the oustanding amount has reached {$610.00}. On every call with customer care, I have been told that the issue has been handled and that there is no action needed from my end. But still every few days, I get call/email asking me to pay the outstanding. Today after being on call for 50 mins where I was transferred from collections dept to customer care and then to security and then back to customer care, the issue remains the same. 

I finally got hold of customer care representative over chat and he mentioned that I will have to pay the fee which will then get refunded. I asked him to provide me this in writing because this was not told to me when I cancelled the account, to which the person said that because of security reasons they can not give this in writing. I have taken screenshots of the said conversation as evidence because no one seems to be willing to answer/clarify but rather seem to be interested in bouncing off the calls from one department to another.

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 2023-06-29
Company: Experian Information Solutions Inc.
State: NY
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:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this tem is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX 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 explanation
Consumer complaint received 2021-10-12
Company: Westlake Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Well all together I think I'm in debt about 3,000 well sadly 2 years ago I lost XXXX  apt in a fire and all 5 of my cats I had 11 years from babies passed away ive had to move back to XXXX  cause I had no where else to go XXXX  job don't offer insurance so I got on medacaid and don't understnad why they can't help me in still struggling living out of a suitcse then today I lose my car motor locked up so now I'm having to walk to and from takes me ablut 45 mins in the freezing cold I can't affors to pay these off nor afford a payment plan they wanted 50 or more a month but I can only afford about 20 and they wouldn't accept it so I'm stuck so deep in a hole idk I can get out of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Credit Karma, LLC
State: PA
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:
I'm reporting about credit karmas guaranteed {$50.00} if you don't get approved for a credit card they will give you {$50.00} it's a scam and a fraud I got that message in my email and on my credit karma report that they would give me {$50.00} if I didn't get approved for a credit card well I applied for the credit card with a {$39.00} annual fee they ran my credit and I did not get approved all the sudden I got redirected to a higher interest rate credit card with a bigger annual fee and how to make at the deposit into their checking account with this card they recommended so I did not get approved for the card that credit card recommended that I would I had a high approval rate they said so at the meantime I did not get the {$50.00} plus I got my credit score lowered credit cardment is a big scam in a fraud would saying that they will guarantee you {$50.00} if you don't get approved credit karma also gets paid by the credit card companies for having people apply for their credit cards which this is a big scam like XXXX I hope something gets done about this because credit karma is making a lot of money off of people doing this and they're not giving him not giving them their {$50.00} it's a big scam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : CAPITAL ONE BANK USA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I went to open a checking account and was denied because of the information contained in my ChexSystems record. It says I owe money to XXXX XXXX for a checking account. I've never opened any type of account with XXXX XXXX. I disputed the information and never received any response from ChexSystems yet the incorrect information remains on my ChexSystems 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
Consumer complaint received 2023-06-23
Company: Synovus Bank
State: FL
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: PA
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:
I consumer XXXX XXXX have attempted to have personal information and fraudulent inquires removed from my credit report. Experian continues to report fraudulent inquiries and incorrect personal information on my credit report with no proof of investigation. I am aware that as a consumer I have the right to have these items deleted and blocked from my credit report. Not only are my rights being violated but my character is also being defamed.

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 2021-10-12
Company: EQUIFAX, INC.
State: DC
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 sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022 I submitted my dispute to all XXXX major credit reporting agencies and I havent received any correspondence from neither reporting agency and I have proof of my dispute was delivered and it is pass the 30-45 mark. 
XX/XX/2022 XXXX XXXX {$1500.00} XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX {$19000.00} XX/XX/2022 XXXX XXXX XXXX {$610.00} XX/XX/2022 XXXX Fed XXXX XXXX {$150.00} XX/XX/20XXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/2022 XXXX XXXX XXXX {$2200.00}

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