BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: Atlanticus Services Corporation
State: MA
Product: Credit 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:
My credit card was used multiple times without my permission. The transactions involved 8 charges of XXXX and 4 charges of XXXX. The credit card company did not activate a fraud alert for repeat suspicious transactions. I find this weird since, in the past, I tried filling up XXXX cars at a gas station, and the credit card company declined the second transaction but not these multiple transactions. I filed a fraud claim with the company when I noticed my credit card information was compromised. The company denied my fraud claim since I did log into my account during that time period and made a payment. At that time, I was using the card a lot for XXXX since my car was in the shop, and I figured the balance was due to the tips for XXXX rides being processed. While I did log in to check my balance I did not check/notice any suspicious transactions. Once my payment cleared, I tried to make a withdrawal which was denied due to the card being maxed out again by more fraud charges. This is when I noticed the fraudulent transactions and notified the company. The company is saying I am responsible for the charges since I logged into my account and should have noticed, but I do not think that is fair since the company should have issued a fraud alert and denied the multiple transactions. The transactions made do not follow my spending habits and should have been flagged. The company also said I only had 14 days to submit paperwork for the fraud complaint. Looking at the regulations, I believe I should have had 60 days. Once the claim was denied I called the company and was supposed to receive a call from a supervisor but it has been a week and I have not received a call from the supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting 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:
Please remove hard inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian

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 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
To Whom It May Concern : I have submitted disputes to XXXX over 12 times already, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that XXXX has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. 

The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : CAP ONE NA XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



XXXX can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My son went into the XXXX office branch XX/XX/2023 to close the checking account I had opened for him when he was a minor. He worked with the teller at the counter and confirmed everything was closed - much to our surprise we find out something was deposited into the " closed '' account on XX/XX/2023 and now the bank has charged us an insufficient fund fee EVERY month since then. This has taken the amount deposited and now they say we owe them money on top of that!!! How can a deposit be accepted on a closed account?! It should have rejected back to the sender! 
The original bank was Bank of the West but they have since merged with BMO. The monthly " junk '' fee they charge went from {$10.00} a month to {$15.00} a month now!

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 2023-10-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposit a 3rd party for my niece and brought her up to bank numberous of time like I was told to do with her if check on XX/XX/XXXX, its XX/XX/XXXX almost a month later and still Im Getting a run around and wrong answers they sent me a letter this morning saying I can receive my funds AND ALL OF SUDDEN THEY LOST THE MONEY AND CANT FIND AND DOESNT KNOW WHERE THE MONEY IS. Citibank is so discriminative. Ive been back and forth to the bank 6-7 times already after they so closed my account for a security issue Ive made numerous complaints about this company to numerous of breaus because this bank isnt working with me all

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 2023-10-14
Company: ProCollect, Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Procollect has continuously reported that I owe {$8400.00} to an apartment complex.on one credit report but on another report it states that I owe {$6100.00}. Section 623 ( a ) states reporting incorrect on ANY CRA MUST BE 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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is an unauthorized inquiry on my consumer report from XXXX XXXX  dated XX/XX/2023 that I do not know of nor did I give consent to and under the law 15 USC 1681b I must give consent before transunion can report anything to my consumer report which I have not therefore it must be 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 2023-10-24
Company: Netspend Corporation
State: OK
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I purchased a Netspend Prepaid debit card and had been using it to get paid by my employers by direct deposit for multiple years with no problems until starting 2 months ago when I started getting spammed with emails from Netspend to upgrade my prepaid spending account to their new " All Access '' account and upon doing so, I would get my direct deposits 2 days earlier than with the standard Netspend Prepaid debit account and after a month and a half of being pressured and my pre-upgraded accounts direct deposits being delayed, I went ahead and upgraded my account to their new " All Access '' prepaid account. 

At that time, Netspend then changed my card number, routing and account numbers and deactivated my " Old account '' resulting in complete chaos with my work, paying bills, payments that were already authorized, everything started going downhill at that time and after a week of talking to probably over 20 different representatives, bounced direct deposits and bill pays I was assured everything was good to go.

One of the stipulations to upgrading my account to their " All Access '' account was that I had to have a direct deposit within 10 days of upgrading to obtain my " All Access Benifits '' and so I complied and had XXXX of my jobs direct deposit my last XXXX weeks paychecks totaling {$2500.00} into my new " All Access '' Netspend Prepaid account, this was on XX/XX/2023. 

Upon trying to pay my bills using the {$2500.00} that I was pressured into depositing, my account was locked, access to and usage of my prepaid balance are being denied to me unless i send a photo copy of my " state ID '' to someone over the phone in XXXX. 

I have verified EVERYTHING about my identity to Netspend including, my social security number which I really didn't feel comfortable doing, I have received mail from Netspend to my current address, addressed to me, i have activated their new account, confirmed my identity MANY TIMES and now i'm being told that there is NOTHING I can do, that they'll keep my money and keep my account locked unless I provide them with even MORE personal and very sensitive data. 

As you can see here, the FTC has already ruled that these practices are illegal : XXXX XXXX XXXX And as you can see here by the XXXX pages of XXXX  complaints in just Texas, they're still doing this to thousands of people : https : XXXX Netspend is a PREPAID card service that manipulates consumers into depositing funds onto the cards and then denies the consumers access to their funds and accusing consumers of fraud to justify it.

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 2023-10-24
Company: WELLS FARGO & COMPANY
State: MN
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/2023 I received an email regarding a purchase on XXXX for {$380.00}. I contacted Wells Fargo immediately in the Sunday and Monday following this transaction. I told them I didn't authorize this transaction and I didn't know who XXXX XXXX the receiver would be. The stole this amount of money for me using my banking information which I never authorized this purchase at all. Wells Fargo helped me transfer into a new account and account and they denied my claim telling me that they believe the transaction was made by me or someone authorized by me. I have never used XXXX for any purchases now or in the past. I only ever use my credit card, debit card or I am aware of all purchases I commit to. Also in the mail I received a card notifying me someone was trying to remove my mother from my current account, which again I didn't authorize and find this activity very suspicious. I have changed all my current passwords for my accounts and would like this issue to be resolved.

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 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. 
Below are the errors I have identified : BK OF AMER XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-10-25
Company: Continental Finance Company, LLC
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Continental Finance reported that my payment was 30 days late during an investigation into payments not going through. I shut off autopay and paid it direct and still the payment did not go though for the XXXX XXXX I do the same process to pay the XXXX XXXX and don't have any issues with the payments being made. Their claim is the money isn't there, when in fact it is and still is from the most recent payment attempt. Both the XXXX XXXX and the XXXX XXXX were paid on XX/XX/XXXX. Both showed paid on the XXXX of XXXX. XX/XX/XXXX the XXXX XXXX showed it was late, then it showed there was yet another returned payment. This is the 5th time it has happened. This is a bad business practice that other credit card companies have gotten in trouble for. There claim is that it takes 3 days to clear the payment, which is not true. In some cases it can, but typically those are only on new payment methods. When the same payment method is used it is within 24 hrs. They also increased the amount owed for a single payment on the app from {$50.00} to {$170.00}. It seems rather no matter how I try to make a payment, they won't accept it. Then they report that it's late 30 days to the credit reporting agencies while it's being investigated and make things worse yet.

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 2023-10-25
Company: Mercedes Benz Financial Services
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a Capitol one XXXX XXXX XXXX XXXX XXXX. All of a sudden I receive a charge for {$85.00}, charged to that credit card. I simply proceeded to pay it, because they claim that there was involved a late fee charge. 
T original charge was XXXX dollars plus {$29.00} late fee, and also an interest charge of {$1.00}. 
When I realized that I didn't authorized the charge, then I call to claim, and the person that I speak with, just gave me pointless justifications. I ask him to allow me to speak to a supervisor, and he refuse to do so. 
Button line, I never authorize this charges, I was charged late fee, and interest, on something that was an agreement between Capital One, and XXXX 's credit card, without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to complain to JPMCB AUTO about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 writing to delete the following information from my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the Items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-10-25
Company: Fay Servicing, LLC
State: CA
Product: Debt or credit management
Sub-product: Mortgage modification or foreclosure avoidance
Issue: Problem with customer service

Complaint:
I have been dealing with Fay Servicing for about 2 years. My father passed away and I took over his loan payments. The first year there were no issues, then without notice the company stopped accepting my payments. Ive provided court probate documents and the company still wont work with me. As a result they have sent employees to place letters on the fence of the home in question ( stating the house was vacant or abandoned ) which resulted in the house being broken into. They also sent a third party property management company to remove the fence to the home so that a pad lock could be placed on the front door! They have been nothing short of a nightmare!! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Continental Finance Company, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This 3rd party collections account was paid via debit card transaction. They are stating amount that is paid is owed on my credit report which is inaccurate. This was paid back on XX/XX/23

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 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I APPLIED FOR XXXX SHARE WITH XXXX  IN XXXX. I GOT APPROVAL ON XX/XX/XXXX AND DID NOT RECEIVE ANY DEBIT CARD AS I WAS TOLD I WOULD. I WOULD CALL BANK OF AMERICA AS THEY ARE THE CARD PROVIDER BUT THEY WERE REQUESTING CARD NUMBER EVERYTIME I WOULD CALL. I COULDNT REPORT THE CARD LOST OR STOLEN SINCE I HAD NO KNOWLEDGE IF THE CARD WAS SENT OUT OR NOT. ON XX/XX/2023, I RECEIVED A LETTER FROM BANK OF AMERICA STATING I CHANGED THE PIN NUMBER AND LETTER WAS SENT AS A COURTESY/CONFIRMATION, IT STATED IF I DIDNT REQUEST AND SUSPECTING THE CARD WAS STOLEN TO CALL THE NUMBER ON THE DOCUMENT. WHICH I CALLED RIGHT AWAY, I NOTIFIED THEM THAT I NEVER RECEIVED MY CARD AND DID NOT REQUEST A PIN CHANGE. THAT IS WHEN I WAS ADVISED THAT {$500.00} WAS RETRIEVED FROM A XXXX XXXX. I STARTED A FRAUDULENT CLAIM THE SAME DAY, UPDATED ALL MY INFORMATION ON THE ACCOUNT AND WAS PROVIDED A NEW CARD WITHIN 2 DAYS. I WAS ALSO ADVISED TO WALK INTO A BOA BRANCH AND PROVIDE MY PHOTO ID SO THEY CAN DOUBLE CHECK THAT IT WAS NOT ME WHO RETRIEVED THE MONEY FROM XXXX AND IT WOULD TAKE ABOUT 90 DAYS TO GET A RESPONSE. ON MONDAY XX/XX/XXXX, I CALLED TO GET AN UPDATE TO CHECK IF MY PICTURE ID WAS RECEIVED AS THEY ADVISED. THATS WHEN I WAS NOTIFIED THAT MY CLAIM WAS DENIED. REASON I WAS GIVEN WAS THAT THE RESEARCH DEPARTMENT DETERMINED I GAVE APPROVAL TO CHANGE PIN AND RETRIEVE MONEY. I ARGUED AND INSISTED THAT I DID NO SUCH THING. ON TUESDAY XX/XX/XXXX, I ASKED THEM TO REOPEN THE CASE SINCE I FELT THE RESEARCH DEPARTMENT DID NOT THOROUGHLY CHECK. I CALLED THE POSTAL SERVICE AS WELL TO OPEN A CASE INTO MY MAIL BEING STOLEN. THEY WERE MORE HELPFUL THAN THE BANK AS THEY SAID THEY WOULD SEND ALL INFORMATION I PROVIDED TO THEIR FRAUD DEPARTMENT. I CALLED BOA AND PROVIDED THE CLAIM NUMBER FROM POSTAL SERVICE.

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