BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 have a step brother who's currently XXXX at the XXXX  XXXX XXXX, I went to their website XXXX in order to buy XXXX in commissary for my step brother. The XXXX uses a payment processor XXXX to process payments in order for me to purchase commissary for my step brother. I created an account (I did not have to agree to any "Terms of Use" before creating this account, nor was i made aware of any), selected my step brother from their list, put in my payment information and selected the amount of commissary i wanted to purchase. They informed me that i would be charged "A nonrefundable fee of XXXX or 10.0000% of the deposit amount, whichever is greater, will be charged.", which i agreed to. When i looked at my credit card statement, i was charged XXXX from Capital One for a "Cash Advance Fee". I called Capital One to dispute this, explaining to them that no Cash was taken out of an ATM nor was any Cash given to the XXXX, i was simply paying for commissary on my step brother behalf since no Cash is allowed inside XXXX. They refused to wave the fee and said that i will be paying a 26% DAILY Interest fee on this amount as well until it's paid in full. I believe this is an absolute defraud of my Civil Rights as an American Citizen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-10
Company: SYNCHRONY FINANCIAL
State: OH
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:
Reason of request : The below inquiries are fraudulent and NOT authorized by me. I called and spoke to SYNCBXXXX and they informed me they will not send me a letter stating this inquiry was not authorized. They also informed me that it is XXXX responsibility to contact them before they can even speak to me about it. Regardless, the below inquiry from SYNCBXXXX is fraudulent, and the below name and address of the inquiry is NOT me nor my address. Please remove these from my credit report. 
Reporting agency : XXXX Hard Inquiries XXXX via SYNCXXXX on XX/XX/2023 Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Inquiry Analysis was submitted by someone using my name but a different address than mine and one that I have never lived at.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: SC
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:
InXX/XX/XXXX I contacted all 3 credit reporting agencies and made them aware that I am a victim of Identity Theft and provided them with a copy of my police report, Identity Theft Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605 ( b ), by blocking the information that I have detailed to them that was fraudulent on my credit file. XXXX and XXXX  acted immediately and blocked the fraudulent information, but Equifax refuses to do so. My follow-up phone calls to Equifax are being transferred to their Office of Consumer Affairs and I get nowhere from there. Equifax has stated that they do not have to comply with the FCRA and that they will treat the Identity Theft as an average dispute and contact the creditors in that respect on my behalf. The representatives that I have spoken to in Equifaxs Office of Consumer Affairs are very rude and condescending and during my latest follow-up call, when I suggested that this Identity Theft is likely a direct result of their recent security breach, the representative literally hung up on me. Equifax is deliberately refusing to comply with the laws that govern them and should be held accountable. I have simply asked that they comply with the law and block certain fraudulent information from my credit file after having provided all of the required documentation, but they refuse to do so. This is unethical behavior that they are displaying and I hope that they will not be allowed to continue to operate in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received this email regarding my PPP loan forgiveness " Sent : Friday, XX/XX/2021 at XXXX XXXX From : " Bank of America '' XXXX To : XXXX Subject : We are paying a portion of your first draw PPP loan Bank of America logo We are paying a portion of your first draw PPP loan We are here to support you through the Paycheck Protection Program ( PPP ) loan forgiveness process so you and your business can focus on moving forward. 

As we mentioned in a previous communication, under the Small Business Administration 's ( SBA ) program rules, a portion of your first draw PPP loan is not eligible for forgiveness from the SBA. Bank of America has decided to pay a portion of your PPP loan in the amount of {$3900.00} ( the " Bank of America payment amount '' ). This amount does not need to be repaid and is not considered part of your PPP loan. '' Bank of America is playing game and has not paid this loan per the email as of today. This PPP loan should have been forgiven per PPP guidelines, but this corrupt bank is fraudulent denying this.

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 2019-08-10
Company: Burton Neil & Associates, P.C.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2019, there were 2 payments that were automatically drafted in my bank account of {$100.00} each. I called Burton Neil and Associates to explain the situation and my Blended Case Manager was with me when we both talked to a Mr. XXXX XXXX. XXXX XXXX stated that there would be a check mailed to me in the amount of {$100.00} and it never came. Then, XXXX XXXX XXXX, mailed me a letter on XX/XX/2019 explaining that a deposit of {$100.00} with the check number XXXX will be deposited into my account when in fact it was a withdraw for {$100.00} with the {$100.00} refund deposit still uncountable for. Now I am very stressed and worried where this {$100.00} is THAT HAS BEEN PROMISED IN WRITING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon reviewing my credit report I noticed a debt from a company that I have no knowledge of. I didn't receive any documentation verifying this debt or anything of the sort. I am not aware of this account and would like it removed because I didn't receive a right to dispute or written notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Around XXXX of XXXX I noticed XXXX XXXX XXXX reporting an open account on my credit report. I immediately called them to ask why they are reporting an open account on my credit report and was told that I applied for this account and purchased something for {$480.00}. I told the person I talked to that I did not make any purchases with their company nor did I ever apply for a credit card with them. I was then transferred to the fraud department who then told me the account would be closed down and that I will not be liable for any charges on this account. 
I then received a letter, dated XX/XX/XXXX, claiming that merchandise was shipped to customer 's verified address and unable to accept my fraud claim. I called once again and got into an argument on how they can not conduct a proper investigation. I then filed an Identity Theft Report with the Federal Trade Commission and sent them copies by Certified Mail and received another letter claiming a paper copy of the application is no longer available and totally ignored my identity theft report and also sent me a new statement showing a balance transfer of {$480.00} and with a new balance of {$510.00}. I did not conduct any business with XXXX XXXX   or XXXX and should not be held liable for an account that is not mine.

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 2018-05-08
Company: Allied International Credit Corp., (US)
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collection letter received on XX/XX/2018 from Allied International Credit Corp., XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, VA XXXX. Letter says " XXXX '' is the original creditor for a debt amount of {$170.00}. Letter states I have 30 days from receipt of the debt collection letter to dispute or validate the debt. The debt collection letter has a reference number of : XXXX. A phone number supplied in the debt collection letter is : XXXX, same as the XXXX XXXX " XXXX XXXX '' method of payment. The contact name for payment is : XXXX XXXX. 

I have not had any interactions with XXXX  in last 6+ months. I checked my XXXX account today and I have no transactions or items being sold. My XXXX account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of American the amount was paid in full. On XX/XX/2019

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX and Transunion is reporting that someone made a inquiry request on behalf on my name that was not authorized by me. The hit came from XXXX XXXX XX/XX/2021.

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 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 explanation
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed several wrong and incomplete information from my credit report to 3 credit bureaus

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 2023-05-23
Company: Waypoint Resource Group, LLC
State: MI
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:
XXXX complaint number still has not 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 explanation
Consumer complaint received 2019-03-05
Company: ID Analytics, 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: Problem with personal statement of dispute

Complaint:
XX/XX/2019 - Applied for a car loan through a dealership. Was denied. 

Received a letter in the mail ( dated XX/XX/2019 ) stating denial and showing credit score results. XXXX reflected a seemingly accurate credit score ( I have never missed a payment in my life ) but XXXX XXXX XXXX showed a poor credit score. 
A quick XXXX search reveals countless testimonies to XXXX 's low credit score reporting and their spam-like behavior.

Sought my own financing and found it easily through a credit union because my credit is, in fact, excellent.

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 2019-03-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, my wife and I noticed ( 3 ) fraudulent charges on our joint checking account. All ( 3 ) charges were schooling related - XXXX XXXX and XXXX XXXX. Neither my wife or I are involved with any form of schooling, we don't have children, and we don't have other family members with access to our accounts. We called and filed a claim with Chase Bank for these charges. Sometime the week of XX/XX/XXXX, we received a letter in the mail from Chase Bank stating that they had concluded their research into the claims and found that the XXXX XXXX charges were valid and that they were taking that money out of our account ( {$110.00} ). We called Chase on Monday, XX/XX/XXXX to figure out what was going on. Chase informed us that the billing address and zip code used in the fraudulent charge matched our actual address and zip code, so they denied the claim. What they did NOT tell us, was that the email used in the purchase was XXXX ( we discovered this later on through XXXX ). My wife and I had to spend our work day digging into this and figuring it out because Chase told us that there was nothing they could do. I spent hours on the phone trying to get ahold of someone at XXXX XXXX after Chase told us they weren't going to help us. Finally, we got a hold of someone at XXXX who told us via email that the XXXX was used with the purchase. This email address is associated with a college in New York. After finding this out, I called Chase again and talked to them about the findings and faxed the findings over to them in order to try and get a refund. However, we haven't received anything back from them as of yet. Chase informed me on my final phone call with them that when they do their investigations, as long as ( 1 ) of the pieces of information in the fraudulent activity match ( email, address, name, etc ), they will automatically deny the claim. So we were denied our refund originally because the person who used our card number illegally had my wife 's name and our address, but yet the email address was based out of New York! 

This complaint is not against XXXX, as they did what they could to help us. This complaint is against Chase Bank. They have an entire team who are paid to investigate fraudulent charges on peoples accounts. They completely overlooked the New York email, denied us our refund, and forced my wife and I to do their research for them. Anyone with the slightest amount of common sense would have looked at the email and red flagged it immediately. 

As of 24 hours after providing the findings to Chase, we still do not have a refund for our {$110.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
tried disputing/fixing with the company directly numerous times.

never had any consent/permissible purpose to furnish accounts ( 15 use 1681b ).

violation of my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I submitted a letter to the XXXX Credit Bureaus last XX/XX/ requesting the investigation, verification and update of these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XXXX XXXX XXXX and I'm including it again. The following accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00}, must be updated to reflect accurate information on my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
had almost XXXX in fraud charges and they refuse to fix the only late payment on my credit report, they claims its the credit bureau reporting and to contact they but I literally have a picture of the credit reporting showing late for XXXX XXXXXXXX. I pay my bills I pay everything on time I would appreciate if I got some type of help other than call the credit bureau and get told the same thing.

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 2023-02-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX, XXXX. 
Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I wanted to buy basketball tickets for my nephew who was in town for spring break. Someone I follow on twitter was selling tickets so I inquired. They said they were selling tickets for {$300.00}. I sent the money and they said they'd send me the tickets immediately via XXXX XXXX. I sent the money via XXXX  and the tickets never came and after I called him out, he blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Several attempts to pay account in full were made on XXXX XX/XX/2020. My first contact was with XXXX XXXX. 
I was transferred multiple times. I was given the number of XXXX which is incorrect and lead me to a telemarketer. 
Because of the harassment of being moved from call to call, being given the incorrect number and having multiple transfers and multiple agents for over four hours. I feel this is a harassment tactic.

Company response to consumer: Closed with non-monetary relief