BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I will have to AGAIN go back & research exact dates- so just now giving an estimate of time frames. Capital One has FAILED to post my payments to my credit account & made at least 3 errors in regard to that.Approx. in XX/XX/2022, I noticed that money orders sent were NOT posted to my account. I had sent from memory the full amount due to pay off the existing balance & allowed for some interest on this {$500.00} balance account of which I had for about 7 years.Never being over the limit & always paying on time by money orders.I have my receipts & have paid extra prior to even getting the monthly statements because I wanted a XXXX balance.Now I will have to dig thru my papers AGAIN. One payment was for {$370.00} & I believe another one for about {$40.00} of so- will have to look-I contacted Capital one & spent much time on this & gave the money order receipt number & the person stated he would investigate. This money order had been cashed earlier. Then on XX/XX/2022, the {$370.00} plus {$1.00} in interest was applied to my account.My Father was buried in XXXX & my XXXX on XXXX XXXX so I did not have the time to check on the smaller money order. On my next statement on XXXX I sent in $ XXXXThen a few days I checked to see the balance as I wanted to pay it in full & the recorder stated that I was over-the- limit by {$260.00}. I immediately contacted Capital One AGAIN & found out that they had pulled the {$370.00} on XXXX, & caused this situation with NO NOTICE AT ALL TO ME & now DEMANDING payment from me & a balance of {$760.00} immediately.I am so mad l & upset about this & stated for them to close this account & correct this asap. I am writing them a letter today with receipt copies enclosed & cutting up this card & NEVER want to do business with them again.Please assist me in getting my payments applied & they should give me compensation for their 3 time errors & especially during this sad time of my XXXX XXXX XXXX life. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Already tried fixing this through them over the phone with picture evidence but no success, tried going to XXXX and filing with small claims court but chase ending forcing the case to close. 
I had returned an XXXX purchase and got the refund credit back to my chase claccount but chase was holding the credit, so I got no credit and on top I got charged again plus they reversed some other credits that Im authorized for that was already confirmed by XXXX representatives. 
Ive always had a good standing account with no issues before and never owed them money so no reason to be holding my credits that belong to me that would total about {$800.00} or more that they are holding As you can see in the attachments provided they took back {$440.00} twice while I sent proof of XXXX stating they issued the credit along Im sending pictures of the other reversals they did and charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: SinglePoint GI
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: Information belongs to someone else

Complaint:
there is two cars reporting on my in the amount of {$23000.00} and {$35000.00} that does not belong to me I am a victim of identity theft I have notified every one of this I have also sent a copy a police report to each credit bureau. This has greatly affected my every day well being

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: SC
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:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2022-06-22
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was a victim of an online came. I had a person allegedly sell me a product that I paid a total of {$600.00} for ( including shipping ). I paid this person using the XXXX money sending service through my bank. I quickly realized that this was a scam ( they asked me to pay another {$1300.00} for shipping/delivery via a sketchy email ). When the person I paid refused to refund my {$600.00} and then blocked me. I reached out to my bank to file a dispute regarding the charges and I submitted to them all of the documentation that I have from the person I was buying from and the weird emails I received from the alleged shipping company. My bank denied my claim and said that when it comes to using a service like XXXX ( even though it is a service provided through their banking institution ) that they are not able to refund my money and told me I should be more careful with who I send money to in the future. I realize I made a mistake and I am embarrassed enough about it. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
5 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 an account without my written instructions. In accordance with the Fair Credit Reporting Act, the following accounts violated my rights. Thank you in advance : XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, USDOE/XXXX  XXXX, US DEPT ED XXXX, XXXX XXXX XXXX, US DEPT ED XXXX, XXXX XXXX, US DEPT ED 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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
5 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 an account without my written instructions. In accordance with the Fair Credit Reporting Act, the following accounts violated my rights. Thank you in advance : XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, USDOE/XXXX  XXXX, US DEPT ED XXXX, XXXX XXXX XXXX, US DEPT ED XXXX, XXXX XXXX, US DEPT ED 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 2022-06-06
Company: Minto Financial dba Minto Money
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XX/XX/XXXX received an email from Minto Money account number XXXX stating that I owed money for a loan and the payment was returned for insufficient funds. I called the company Minto Money and spoke to XXXX who verified that there was a loan taken out for {$1200.00} dollars in my name on XX/XX/2022. I informed XXXX that I did not apply for a loan or agree to receive any funds. He stated the loan was funded to an account number from XXXX XXXX  XXXX and that my personal information was used to obtain a loan in my name with a seven-year-old address. 
He placed me on hold to verify the ownership of the bank account with XXXX XXXX and upon investigating with the customer service representative from the bank, the account was indeed not mine and belonged to an individual named XXXX XXXX. 
This individual received funds from a loan fraudulently obtained in my name with my information to their personal XXXX XXXX  account. I have made a fraudulent complaint with XXXX  regarding this matter indicating the individual who owns the bank account XXXX received funds from a loan opened fraudulently in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: JPMORGAN CHASE & CO.
State: SC
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:
In accurate with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX 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 2022-06-22
Company: Experian Information Solutions Inc.
State: AZ
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  XXXX ACCOUNT # XXXX, XXXXXXXX XXXX  XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX ACCOUNT XXXX 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 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 2021-08-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Today I made a call to Carrington Mortgage. I spoke with XXXX. He spoke to me in a very harsh manner and told me that I qualified for only one month of forebearance, which I was never notified of, instead of the normal three months. Then he started to create a horrible scenario of evictions, foreclosures, and losing my home all within the same breath. How dare he create such a fearful situation for someone that he knows nothing about! Absolutely the WORST customer service! I believe my loan is a FHA loan and Im entitled to two extra three months of extensions of forebearance. This is a measure of assistance, not a situation of fear and control! Shame on you Carrington!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Synchrony Bank using the Care credit and Discount tire auto card starting charging interest on non-promotion items even though I called in to have the funds I paid reallocated to the non-promotion items. Meaning they have been charging interest when they should not have been. 

I have been waiting since XX/XX/2021 for their XXXX  department to call me and every time they email me regarding the account I state the same thing. 

Synchrony Bank under XXXX automatically pays non-promotion items and the rest of the Synchrony bank should do the same. The customer should not have to wait in hold every month for Synchrony Bank to re-allocate the payments the customer made. So the the customer doesn't get interest charges.

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 2022-08-20
Company: Experian Information Solutions 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Please send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/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 XXXXXXXX Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX 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 Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX & XX/XX/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 2022-11-28
Company: Southwest Credit Systems, L.P.
State: VA
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:
Southwest Credit Systems refuses to remove erroneous information from my credit reports. I had called them to discuss and hopefully rectify this matter on XX/XX/2022, XX/XX/2022, and XX/XX/2022. On Sunday, XX/XX/2022, I sent an email to XXXX stating that I had called XXXX and legally recorded a XXXX representative verifying I did not owe XXXX any money, and that they'd already sent notification to Southwest Credit Systems declaring such. I also have my bank statement showing the payment in full ( {$370.00} ) to XXXX for the account in question. Southwest Credit Systems has refused to verify with XXXX that I do not owe them ( XXXX nor Southwest Credit Systems ) any money and continue to deliberately report inaccurate information to the credit bureaus. The phone number I called for Southwest Credit Systems is XXXX, and for XXXX I called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Ability Recovery Services, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A false debt appeared on my credit report from ABILITY RECOVERY SERVICES XXXX XXXX XXXX XXXX, PA XXXX for a medical bill that I never had. I was never a patient at this practice, never received care from This practice and even the XXXX  determined that this company is illegitimate. This medical bill is fraudulent and fictitious. This bill is not real. No one ever tried to contact me or send me any information. This just randomly appeared on my credit report for no reason at all. Completely fake. My insurance covers All of my medical expenses! This is a fraudulent account that does not exist. Please remove this from my credit reports. It is not real. One of the credit companies has already removed the information from my report because it is not real! It is fraudulent! Please Help! This company is creating false debt using clinics that went out of business and no longer exist, they steal your information and create false accounts and then place the accounts in collections! They never contact you, they just destroy your credit and try to trick you into paying XXXX  of dollars for fictitious accounts that they created by stealing your information! The accounts are not real, they are created illegally! A class action lawsuit should be the next step!

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights in the amount of {$970.00}.

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

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-06-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loans were transferred as required by the Public Service Loan Forgiveness program application process. The new servicer, XXXX XXXX, did not properly update the CRAs advising them to transfer the prior reporting history from the old servicer ( XXXX ) to XXXX XXXX. Accordingly, my loans are double reported on my consumer reports ( the old loans and the new loans ). I previously complained to the CRAs ( Experian has not corrected the information ), and both the old and new servicer. I also complainted to the CFPB, but the company responses were generic and did not address the problem.

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 2022-06-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
An inquiry to my credit report was pulled by equifax on XX/XX/2022 for XXXX XXXX bank XXXX. XXXX XXXX  XXXX XXXX, Co XXXX phone number XXXX. A fraudulent online checking & high yeild investment account was opened after the inquiry with XXXX XXXX bank on XX/XX/2022. The company was quick to recognize the fraudulent account and closed it on XX/XX/2022. A financial crimes risk management specialist was immediately placed in charge of this issue and contacted me right away. They have been good in contact with me. 

I asked for copies of thier data that from the person who applied and opened a fraudulent account including any information that person has used. Under the Identity Victim bill of rights I am allowed to request these proof documents for my own legal needs. I have not been able to do that and have waited several weeks to get a response after they responded to me regularly before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX, have violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

According to 15 U.S.C 1681 section 602 A I have the right to privacy. 
These addresses do not belong to my credit XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Also inproper names : 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 2022-06-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
An individual attempted to open a credit card with wells fargo bank using my personal information. I became aware of this when a represenative from a local branch contacted me from phone number XXXX XXXX XXXX. Contacted wells fargo bank fraud group at credit card fraud XXXX. They looked up my information and told me my information is not in thier system. This worries me if I got a call about credit card opening and they can't locate documentation for me. The message said that if this credit card application is real then must go into bank branch to provide identification to open. I was grateful for that security block. 
I previously had a prepaid card that I closed but they said its not the same thing. 

account fraud XXXX online fraud 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