BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX of XXXX I applied to Capital One for a credit card which I received and used. The interest rate was high ( mid twenties ) and the available credit was adequate at the time. I later received an offer for another credit card with a lower interest rate and three times the available credit. I paid the Capital One card down to XXXX and kept it in reserve. The last statement I received was on XX/XX/XXXX. At all times I paid my Capital One account on time, as I have all my other accounts. Abruptly and without any notice or options Capital One closed this account for the reason stated an email I received : " Re : Your account ending in XXXX Its been over 2 years since youve used this credit card account. As a result, the account has been closed due to inactivity. 
It can not be used for transactions or reopened. There were no rewards to redeem when the account was closed. 
For your security, we recommend you destroy all cards associated with this account and notify any other account users. '' Had I been contacted by Capital One to alert me that they would close the account for lack of use I would have arranged to charge and then pay a repeating charge. However, when I spoke with a representative she explained that Capital One 's policy is to not provide any notice nor explain that they close accounts for non-use without a warning or notice. 

My concern is that Capital One knew, or should have known, that by their closing the account that it would negatively impact my credit score. In fact about the same time that I received the email from Capital One I received an alert from XXXX  that my credit score dropped from a XXXX to a XXXX. XXXX  shows the event as " account closed by Grantor '' which carries a negative connotation adverse to my credit interests. My wife and I just finished construction of an addition on our home and were preparing to refinance our home. We are both employed and have no other reason why our credit would be currently affected but for the precipitous action by Capital One. This reckless policy by this financial institution may affect our ability to get the best interest rate on our home refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.  Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03
Company: Square Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I spoke to XXXX and XXXX of XXXX in XXXX on Monday XX/XX/19 I updated them that I have heard back from cash app customer service via the email and square up Inc there's a corporate company via email and I'm in contact with them to try to resolve this fraudulent cash app  usage cash app account and cash app transactions with this I am working like I said with XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX in XXXX Wisconsin and some colleagues of theirs at the XXXX convenience store in XXXX Wisconsin at XXXX convenience this investigation will go until further updates are provided I will provide them once they are ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Amsher collections has been repeatedly calling my number several times a day. And also pulling my credit report from the bureaus since XX/XX/2019. 

I do not have an account with company neither did send a written notification stating same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$420.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-06
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Amerisave File # XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Application completed on XX/XX/XXXX Loan terms = Rate was 3 % {$6200.00} points not locked XX/XX/XXXX Loan terms changed to 3 % {$4000.00} points locked expired XX/XX/XXXX because we were supposed to close by then. 

XX/XX/XXXX received another loan terms agreement - Rate 3 % {$3900.00} points with lock in expiration of XX/XX/XXXX. 

XX/XX/XXXX ( 2 days before closing ) we receive another loan terms agreement - Rate 3 % {$10000.00} points. We called the loan officer and processor and no one would call us back. We were finally told that they pulled our credit and your credit score changed. I said you never advised us you were pulling our credit ( 3 people on the loan ). Whose credit score dropped and to what and why? And they could not and would not provide any further information. As we had waited for 4 months and were closing in 2 days, we had no choice but to close with the points that we never agreed to. 

XX/XX/XXXX closing statement Rate 3 % {$10000.00} points. So basically this company can charge whatever they want whenever they want to and get away with it. This is the story of a true bait and switch. Once we were locked in, it was impossible to reach the loan officer or the underwriter or the processor. Whatever they asked for we provided within minutes even after they had already requested the same thing 2 times before. There horrible processes and response time is not the issue here. The fact is that we started with one rate and ended with another one. The numbers kept changing when someone decided to. When I asked about the low rate given in the disclosure on XXXX, I was told that was a mistake. Really?? This is just wrong. 

They required payoffs of certain outstanding debts. One was a XXXX interest loan that I did not want to pay off but I paid it off anyway and sent in the proof of payment and they still paid the bill anyway causing me to have to request a refund. They mailed paper checks to several other debtors which were never received. We had to request stop payments and have new checks issued but those checks still have not been cashed. 

They assured us that the past due homeowners insurance payment would be sent XXXX and they mailed it regular mail. The insurance company cancelled the policy and we were forced to get a new policy with an increase of over {$2000.00}. 

The people that work here were always pleasant and sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had XXXX XXXX XXXX. I have always used XXXX or 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 2019-02-24
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-02-24
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a store credit card debt through XXXX XXXX but i run into trouble paying the charges so the company made payment arrangement and froze interest charges. As part of the arrangement I monthly payments was to be by auto direct payments form my check-in account. 

I lost my job there after and direct auto payments form check-in account were returned and arrangements on the payments could not be honored. I also I incurred returned fee charges on my bank account. 

I started receiving bills with charges greater than agreed so I sent email to inquire about the charges but never got a response. I was earnestly intent on resolving the issue but never got a response. 

The debt was transferred to Crown Asset Management and I disputed the amount claimed. They sent me details of accumulated interest charges so that the claim now it far more that the balance agreed and over a thousand dollars more that the initial principal amount of charge. 

I am frustrated that I cant get XXXX XXXX to resolve the issue and I have to deal with the debt collector. 

As of now they have filed a claim against me at the Small Claims Court so I want to be able to resolve the principal amount of the debt with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: WA
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 have invalid accounts reporting to my credit report I have tried to solve this many times with the company both bureaus and the creditor. Despite two-three written requests, the unverified items 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 mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation

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 2019-06-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Over the last two years I have had egregious debit card fraud through Citizen 's Bank. I have tried to report it numerous times over the past 2 years, I would call in to customer service, 'file ' a complaint, and then call back to be advised the claim was never filed. I went into the XXXX branch of Citizens in XXXX numerous times to try and file it, in which they told me they were understaffed and could not help me and they are now saying that I claimed I didn't have time, when reporting it was the main reason for my being in the branch! 

On XX/XX/XXXX, I finally had a claim submitted for SOME of the fraud. Transactions from XXXX and XXXX totaling XXXX dollars. On the 8th day of the investigation, they refunded me only partially for the claim, only paying the first two months of the fraud, even though the entire claim was deemed fraudulent. 

I want the other half of MY MONEY that I trusted to deposit into this bank, in which they will not refund me for unauthorized transactions. Transactions I tried to resolve for TWO YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The consumer agencies Transunion, and XXXX are reporting inconsistent information regarding the accounts labeled XXXX with account numbers # XXXX XXXX XXXX XXXX & # XXXX XXXX XXXX XXXX on my credit reports. Their reports on these accounts are not consistent with what XXXX is reporting as these accounts are not listed on the XXXX report. Transunion and XXXX are tarnishing my reputation and character with these inaccuracies and their negligence.

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 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX has closed the account on their end and is discontinuing any further pursuance due to possible HIPPA violations. As neither Transunion nor XXXX  can produce a medical release signed by me the accounts need to be deleted 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 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
When I check my credit score thru both Transunion and XXXX is shows a balance on my credit card that has yet to be billed. We use our card for a matter of records and never carry a balance on it after the billing period. How can current usage show negatively on y credit report when it has not been billed and the card has never had a balance carried forward.

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 2019-02-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
In XXXX of 2019 my fiance and I applied for the chase sapphire preferred credit card. We found this card attractive based off the 0 % APR for 12 months on purchases and balance transfers, additionally the travel perks were a plus. When we received our second statement from chase we noticed an APR was calculated to our balance. I called Chase and spoke to a very un-helpful gentleman named XXXX, after 20 minutes of XXXX telling me that only applies to balance transfers, I informed him if he looks at chase sapphires features it states the 0 % APR also applies to purchases, XXXX put me back on hold only to come back and tell me that while that offer exists, it did not exist at the time I applied for the card. 

I have a few different credit cards and would have never applied to a card that did not offer 0 % APR for the first 12-18 months, it is a general rule of thumb I have

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've made multiple complaints on the indivivudal bureau websites

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 2019-03-19
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PREFERRED COLLECTION & MANAGEMENT is reporting a collection account to all 3 of my credit bureaus that I am not responsible for. In addition, PREFERRED COLLECTION & MANAGEMENT has violated the HIPAA law, by having access to my medical information. According to the HIPAA law a collection agency is only to be provided the following : Name and address, Date of birth, Social Security number, Payment history, and Account number. 

I have no contract or business dealings with PREFERRED COLLECTION & MANAGEMENT. I have never received any correspondence from PREFERRED COLLECTION & MANAGEMENT stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with PREFERRED COLLECTION & MANAGEMENT for some time. I have requested documentation to include a signed agreement & proof that PREFERRED COLLECTION & MANAGEMENT owns the debt ( along with copies of anyone else who has owned this erroneous debt ). PREFERRED COLLECTION & MANAGEMENT also seem to re-age and change the dates of this erroneous debt to continue to seem to make this a valid debt. 

PREFERRED COLLECTION & MANAGEMENT is in willful non-compliance with the HIPPA & FCRA. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family. PREFERRED COLLECTION & MANAGEMENT even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in PREFERRED COLLECTION & MANAGEMENT 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.

Company response to consumer: Closed with explanation