BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: Insight One Solutions, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received, XX/XX/2020 a letter from Sortid Financial about a debt I never had. I immediately contacted Sortis and told them I have never had a XXXX. I do not even know the company. A customer service rep yelled at me, Youre a liar and you are going to be responsible for this loan. I am not going to be responsible for a loan I do not owe. I want Sortis Financial company and whoever XXXX is to leave me alone. I also want them investigated for trying to scam elderly to own loans that is not theirs I believe this is an attempt to scam the elderly because I have never had a XXXX  and do not understand why I am being contacted that I did..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THESE ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Foris DAX, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Today XX/XX/2022, I started a transfer to Crypto.com. During which my funds were placed into the wrong location by a glitch of the UI/Design of the application. 
The amount of {$1500.00} worth of Bitcoin was to be transferred from my account to my crypto.com XXXX XXXX. 

During the transaction, the account sent the funds to a VOID/Created wallet that I DID NOT have ownership of. 

This is a violation of the use of my goods/serivces. The company owns BOTH the brokerage and the wallet. As a customer, I expect to be able to use my funds or be helped to receive assiance in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Miller, Stark, Klein and Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I receive calls constantly from this company with a recorded message claiming that complaints against me have been filed in their office. This is evidently an attempt to collect on a zombie debt because all of my current credit is up to date. 

Miller Stark Klein & Associates XXXX XXXX NC XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am getting phone calls and letters from portfolio recovery ( XXXX ) XXXX for a credit card debt that was discharged in bankruptcy court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
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: Information belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 non-monetary relief
Consumer complaint received 2017-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
capital one I asked to have my credit limit lowered. They said they could not lower it. My limit is almost XXXX and this affects my credit as I am not using the line so have a low utilization. They said their contract with jordans the furniture company who I set up the account with has expired. 
However they are the group still managing the account so are responsible for the credit limit reported to the credit bureaus. I said they are reporting incorrect information as the line is no longer available to be utilized yet it is having a negative impact on my credit rating for not being used, i.e. the low utilization rate. Please tell capital one that they can not report inaccurate information that negatively impacts the consumer. This leads to me being charged higher interest on any new cards. I spoke with XXXX who hung up on me on XX/XX/2017 at approximately XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had filed a fraud claim with Wells Fargo back in XXXX. I had a charge on my account that I was n't aware of from a merchant. On XXXX the XXXX, XXXX the amount was put BACK into my account from the merchant. A week later on the XXXX of XXXX of XXXX Wells Fargo credits back the charge again to my account. So basically the amount was put in twice into my account but I did n't catch this and was n't made aware at all. Apparently Wells Fargo did n't catch that the merchant had refunded me already. Today, XXXX XXXX, XXXX, XXXX of those charges were reversed. I did n't receive a letter in the mail or a message on the wells fargo website or an email stating that my account was credited twice. The customer service also blamed it on me, saying that it was up to me to catch the double deposit that was made and that I had to call and tell them. I was n't made aware of this double credit and the amount was n't a lot to where it was completely obvious for me to catch. BUT the bank was supposed to catch that the merchant had refunded me already. It makes no sense for them to credit me the same amount the following week. So now I have money out of my checking account about three months later because they were at fault for crediting me extra back in XXXX without apparently knowing the merchant had already done so. I 've been a customer for years and spent 4 hours on the phone being thrown around from the exec office to the claims department. I want that money back in my account because this should 've been taken care of in XXXX of XXXX not nearly the XX/XX/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 2020-09-30
Company: JPMORGAN CHASE & CO.
State: IL
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 an ongoing effect of being a loyal customer to JPMCB Card Services that closed my account without proper proof, inaccurate information and do to discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I had my information compromised as part of a data bridge & due to my personal information be leak it resulted in someone trying to apply for a mortgage in my name & 3 inquiries resulted from this fraudulent activity. I sent in the paper I received in the via certified mail to all 3 credit bureaus. XXXX & XXXX delete right away because the had the proof in front of them. Equifax refused to delete the inquiries. Imagine a company like Equifax that has put us all in harms way when they had there data bridge & know the harm it can bring to one REFUSE to delete. They ask me for a police report when the have a letter direct from the insurance company. 

Secondly Equifax is one of the most difficult Of all 3 credit bureaus. They think they can create their own rules & not follow the ones already in place. I have a collection reporting to Equifax that I have disputed over 4 times by certified mail. The account is reporting as an Individual account but when I did my own investigation its a jointly own account. The reason I did my own investigation is because I had no knowledge of how the account came about & gave no authorization to anyone to add me to such account. Also the reporting date was changed by the company to prolong the account for their own personal gain. I sent in the dispute letter to show how much a collection agency can lie & deceive even the credit bureaus. I pin point every inaccuracies that the reporting agency is reporting & once again Equifax realize that the benefit more with a incorrect account that doesnt belong to me on my credit report than it being off. Its all a money making scheme for the credit bureau with the main one being Equifax. The will sell your information to the highest bidder & turn around & act like there was no fraud committed against you. Equifax is such a pain that I have written a letter to Congress recently because Each dispute I ask for the results from there investigation in writing & I have never received such report ever!!! The reason why I request this report is because I know they are not investigating anything. Imagine the biggest fraudsters are the credit Bureaus & they are in charge of our credit. I had to explain to Congress I want them investigated & someone needs to shut them down & hire more honest people to do the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX has gained access to my credit when I nolonger have account with them in fact my account was sold and has a XXXX bal the account was opened in XXXX and they say it was open in XXXX because the debt was re aged this is no legal you do n't need to take my word for it you can just look at the way it was report on XXXX XXXX bal and closed opned in XXXX orinal date it was past do for the first time XXXX this account is out of date and can nolonger be reported Experian is sharing my information with this company who has no right to my credit file

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 2020-09-29
Company: CITIBANK, N.A.
State: NJ
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:
Dear Sir/Madam, I purchased 2 airfare tickets for myself and for my wife to travel together on XX/XX/XXXX and travel date was XX/XX/XXXX from XXXX and airline was XXXX XXXX XXXX   XXXXXXXX charged me {$1600.00} for 2 tickets ( each one was {$810.00} ) and I have a proof of that from their website. I used my Citibank master card Unfortunately, because of Corona virus. XXXX of XXXX XXXX put banned on all pilgrimage travelers. I have the news proofs from XXXX  XXXX, XXXX XXXX and other resources news from XX/XX/XXXX. I called XXXX  but they had closed their call centers and no one was answering the phone. Till today, XXXX   don't respond. I couldn't open a dispute case with XXXX   However, I had gone ahead and open a dispute with Citi credit card. XXXX charged citicard twice for the amount of {$810.00} for 2 tickets. So, I end up opening 2 disputes with Citicard. I provided all the  evidences and Citicard disputed with the vendor and issued me a credit of {$810.00} only while all the evidences were the same for the 2nd dispute also. I called numerous times citicard services and explained and provided same documents over and over again but non of the dispute investigator paid attention on it and sticked with their one credit. I would like citicard to issue me the credit of my other portion of the transaction {$810.00}. Citicard is keep reviewing, closing and opening disputes but not paying attention and refusing me credit saying it is too old now. Kindly, help me out. I have all the detailed documents that I can provide. 
On XX/XX/XXXX. I called citicard and spoke with Citicard rep XXXX. She said she will ask her manager to reopen the case again. 

Here is citicard dispute # 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 monetary relief
Consumer complaint received 2016-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016, our home in Louisiana flooded. We have flood insurance but our mortgage company will not disperse the funds because we are self contracting our home. With this disaster there in limited qualified contractors available and my husband has been in the construction field for over 25 years. It would be senseless to pay someone to repair our home when we can do it and do a better job. The State of Louisiana law states a person can self contract their own home from the ground up or remodeling, one home in a years time. My mortgage company, Capital One, is telling us we can not do our own repairs. We have already started our repairs even before we received our insurance check. We were not going to let our home sit to grow mold. I have gotten so many different stories from Capital One that I do n't even know what the truth is? I was told that XXXX is the reason we can not self contract but what is funny to me is, we did a conventional loan, we did n't do a government funded loan. How can XXXX tells us what we can do? Just yesterday I get another call from Capital One telling me that XXXX wants letters of recommendation from people who have seen my husband 's construction skills. This call comes AFTER we were told we could not self contract!! On XXXX XXXX, we called for an inspection. The inspector came out and told us we were at 40 % with our repairs and we have yet to receive a check. I told the representative who called yesterday for my husband 's references to look at the XXXX pictures the inspector took of our home to see if he is qualified to do repairs she did n't have a response. My husband and I have been paying for the repairs out of our savings, just so we can get our family back in our home. We are running out of money!!! I have pleaded with Capital One and still no results. I can not understand how a company can have control over OUR INSURANCE MONEY? We pay our insurance premiums and we can not have OUR money?? 
By the way we did hire a painter contractor, paid them some money and have n't seen him since. This is why so many people in Louisiana have chosen to self contract. Contractors flew into Louisiana to prey on the flood victims, this is a disgrace and so is Capital One for not giving us our money to complete our repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: EQUIFAX, INC.
State: GA
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:
Equifax Credit Information Services , Inc. continues to stall with regard to credit investigation. They asked that I confirm my identity almost a month ago. I sent in documents requested, and I get another letter requesting the same information. This is some type of stall tactic that this company is utilizing. But, I don't understand why when the law clearly states I have a right to request investigation of my [ personal credit ] report. Can someone please reach out to Equifax and ask them why they are refusing to check reports for errors?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Account with Citi financial opened XX/XX/XXXX. On XXXX XXXX has XX/XX/XXXX. The highest credit was {$9200.00}. XXXX XXXX has {$13000.00}. This loan has been sold five times. My compliant is with Citi Financial as well as XXXX XXXX. Citifinancial sold to XXXX XXXX, from XXXX XXXX  to XXXX XXXX, from XXXX XXXX to XXXX and currently XXXX XXXX is trying to collect. I feel I have paid this loan in full. I never boworred {$13000.00} form Citifinancial. I believe this information is outdated. All companies listed stated collections under Citifinancial. I began Citifinancial reported having received {$5800.00} when transferred to another lender in XX/XX/XXXX. On XXXX   {$4700.00} activity designation paid and closed. XXXX received payment up until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: CNG FINANCIAL CORPORATION
State: CA
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:
Every month I take out a {$250.00} payday loan from XXXX XXXX XXXX. Its oaid off in time every month. This time I receive an email saying my loan is soon due and if you want for a special promotion you can convert the payday loan into an installment loan ( first uploaded image ). So I click the link in the email to see what they are offering. I reach a page ( the second uploaded image ) that shows my loan information and a box that states Get Started in big letters with smaller print stating get the funds you need you are now eligible for an installment loan. See how much you can receive I wanted to see what the offer was even though I knew it would be a rip off. So as soon as I click the link the web page now takes forever to load but once it does it shows the loan details to which I just close my browser. Later that day I receive a hard inquiry alert from Axcess Financial on my XXXX. Ive contacted them 4-5 times the first three were just customer representatives saying the same thing over. The others tried to show me how I accepted the inquiry but the websites they displayed I never visited. This computer is a predatory company but I have to already give them {$50.00} every month just to roll over me {$250.00} payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
showing XXXX on Experian acct. XXXX Not my account. Please take off as I am trying to close on a house and This is holding up the closing

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 2016-09-29
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
This is about the lack of response from Discover card about my complaint number XXXX. On XXXX/XXXX/16, XXXX XXXX XXXX of the executive department of Discover card left a message on my answering machine at XXXX He asked me to call him at XXXX as soon as possible, and gave me his office hours. I called at XXXX XXXX, and discovered XXXX XXXX was unavailable, and that the Voicemail that he shares with XXXX XXXX was full. I called XXXX more times Wednesday before XX/XX/XXXX., and XXXX this morning. I can not contact him. All I want is the promised free XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Other

Complaint:
I received a XXXX Cancellation of debt form from Bank of America in the amount of $ XXXX.I filed the XXXX on my taxes and paid taxes on the {$12000.00} amount. All XXXX of my credit bureau have different information reported. 1 : XXXX Reports a {$0.00} balance and {$0.00} past due amount. 2 : XXXX reports a {$15000.00} balance and {$3400.00} past due amount. 3 : XXXX reports a {$15000.00} balance and {$3400.00} past due amount. These amounts do not add up and are not reported accurately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
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: Was not notified of investigation status or results

Complaint:
I hope you can help. I file disputes in XXXX and still havent heard anything. I am aware things are slower now but over 30 days should not be allowed.

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 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I hope you can help. I file disputes in XXXX and still havent heard anything. I am aware things are slower now but over 30 days should not be allowed.

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