BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-11-19
Company: FC HoldCo LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
XXXX XXXX called at XXXX from XXXX and left a message by XXXX on my cell phone. I am in XXXX and this woke me up from my sleep. Very disturbing. It is a violation of the fdcpa.

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 2022-08-17
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
CHIME BANK SENT ME AN EMAIL ON XXXX XXXX STATING THAT THEY WERE CLOSING MY ACCOUNT ON XXXX NO EXPLANATION- THEY STATED I SHOULD GET ALL OF MY MONEY OUT OF THE BANK BY XXXX OR I WOULDNT GET MY MONEY UNTIL 30 DAYS AFTER WHEN THIS WAS SENT I WAS ON VACATION- SO SINCE I HAD MONEY IN BOTH ONLINE ACCOUNTS CHECKING AND SAVINGS- I COULD WITHDRAW MONEY FROM CHECKING- BUT SAVINGS I COULD ONLY WITHDRAW XXXX A DAY- OF COURSE I HAD MORE THAN XXXX IN MY SAVINGS- SO MY NEXT DAYS ON VACATION WERE INTERRUPTED BY GOING TO AN ATM EVERYDAY TO WITHDRAW FUNDS TO DEPOSIT INTO ANOTHER BANK. 
I ALSO HAD A DIRECT DEPOSIT SET UP WITH THIS BANK WHICH WAS TO COME IN ON XXXX THIS IS A MONTHLY CHECK- THAT I DEPEND ON SINCE I AM XXXX I TRIED TO CHANGE MY DIRECT DEPOSIT SET UP QUICKLY BUT WITH LITTLE OR NO WARNING FROM CHIME BANK- I KNEW IT WAS GOING TO BE A PROBLEM I FOUND THAT THE DEPOSIT DID TRY AND GO INTO THIS CLOSED ACCOUNT ON XXXX AND CHIME SENT ME AN EMAIL STATING THEY RETURNED IT TO MY COMPANY ON XXXX NOW THE COMPANY I CALLED THEM AND THEY SAY MY DEPOSIT IS FLOATING AROUND SOMEWHERE- BUT THAT THE DIRECT DEPOSIT TO ANOTHER BANK WOULD BE AVAILALBE NEXT MONTH XXXX 
NOW I DONT HAVE MY DIRECT DEPOSIT STILL AS OF TODAY- AND MANY BILLS THAT I PAY ARE NOT BEING PAID AND I HAVE GOTTEN NOTICES FROM ALL OF MY CREDITORS LOOKING FOR PAYMENT. 
I CANT PAY BECAUSE I DONT HAVE ANY MONEY- THANKS TO CHIME BANK. I HAD BEEN BANKING WITH THEM FOR OVER 3 YEARS- THERE IS NO WAY TO REACH A LIVE PERSON ONCE THEY CLOSE YOUR ACCOUNT- THEY EMAIL YOU AND TELL YOU TO TAKE A PICTURE OF YOURSELF HOLDING YOUR DRIVERS LICENSE AND THEN TAKE A PICTURE OF A UTILITY BILL WITH YOUR NAME AND ADDRESS AND ONE OTHER FORM OF IDENTIFICATION- I DID ALL OF THIS AND THEY STILL HAVE NOT CONTACTED ME. 
I WANT THEM HELD RESPONSIBLE FOR THEIR UNPROFESSIONAL ACTIONS AND MY DAMAGES ARE WORTH OVER XXXX I AM BEING HARMED GREATLY- NO BANK THAT I HAVE EVER BANKED AT WOULD JUST CLOSE A PERSONS ACCOUNT FOR NO REASON AND THEN NOT GIVING THEM AMPLE WARNING- 4 DAYS THAT WAS IT- IM LUCKY I READ MY EMAILS- BECAUSE THAT IS THE ONLY WAY I FOUND THIS OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One has not shut down my card after I called and let them know there was something going on with charges. That was at XXXX and then they said they would investigate while I paid XXXX a month to keep our credit repaired. Then, I stopped that about two months ago and said no. I kept asking when the investigation was done and they did absolutely nothing to stop it. My kids had a lunch program circulating on the card which I do owe for, but after this long, I do n't know what is what at this point. But, the agent at Capital One a gentlemen I have his name, said, " Yes, I see where you asked to report fraud ''. This company needs investigating, just go and look online it 's multiple clients having similar problems. I also went through in the beginning transactions with an agent to determine what was going on. I 'm a XXXX, not an XXXX. They need to take responsibility. The card is up to XXXX and even with repeatedly paying they just kept raising the amount because of over limit. What a raquet. I will be writing XXXX Trump to see if there is something that can be done by the white house and credit card railroading companies. This is not fair. They actually owe me money as agreed upon because there was no investigation from the first time I called them and the card was allowed to keep on going after several attempts to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, 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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Merchants' Credit Guide Company
State: IL
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:
XX/XX/2020 I mailed a request to XXXX  and XXXX  I havent received any documents back about the in accurate account not mine being removed theres no proof these are accurately my accounts. 

XXXX  {$350.00} reporting from XXXX  and XXXX. Mailed dispute to XXXX. 

I have mailed dispute to XXXX  and still reporting XXXX  Merchants Credit {$150.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Due to President Biden 's recent announcement of XXXX loan forgiveness, and the pause in payments due to to XXXX, I was requesting a refund with EdFinancial services. On XX/XX/XXXX, I requested a refund of payments made during the COVID relief period, and was advised that a refund was submitted though they couldn't email me confirmation of this. 

It has been about 2 weeks and my account hasn't been updated to reflect my loans being reinstated, while also not informing me about the refund. EdFinancial is quoting me 150 days to receive the refund, whereas they make almost no mention as to when the account would reflect the loans being reinstated. Other loan service providers such as XXXX, XXXX, XXXX XXXX, are quoting 6-8 weeks to receive the refund and their accounts are being reflecting with the update within days of the request being submitted. 

I would like my account to reflect the loans being reinstated, while also having a better timeline on when the refund would process to my bank account. If it's 150 days, why can't my account atleast be updated to reflect the loans? The application for forgiveness is open in XXXX and I can't file said application due to there being no update on my account. Transparency needs to be met from EdFinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Capital One filed a dispute to each major credit bureau without my permission. I contacted them to inquire about a " goodwill removal '' of late payments incurred on my credit card during a time I was unemployed. I specifically stated I was not disputing the late remarks on my account and was asking only for compassion, being that I have been a customer for XXXX years. I clearly stated during the call that I did not want them to file a formal dispute with each credit bureau. The representative told me he understood my request and informed me that an " internal request '' would be made for goodwill removal of the late payments. Today, I contacted Capital One to ensure a dispute had not been filed, and in fact it has been. I was then informed by a supervisor that Capital One does not grant goodwill removal of late payments, however when I directly asked the original representative this question, he led me to believe Capital One would handle such requests on a case by case basis. Today I 've asked Capital One to correct this mistake and they state they must make a request to an internal credit department and that their mistake " might be '' corrected. Further, I 've asked Capital One for the transcript of my telephone call yesterday as proof of my original request. They have refused to provide it to me. It is easy to find other cases exactly like this with a simple internet search.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$18000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2016-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Rewards

Complaint:
Had cash back bonus available & over 3 months ago I called to have it applied to balance. Now the status of the card has changed and because they never did it 3 month ago now they wo n't. The card was Capital One and I just wanted my bonus to be used towards paying my debt and they did n't do their job then or now.Why is that ok that they do n't have to uphold their end of the contract but I do!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: KEYCORP
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:
The bank does not properly process and display transactions. ( See photo 1, the account balance has been changed, what was the reason for this is not known ). Disables some services for the time required to calculate the commission ( see photo 2, where overdraft protection service is unavailable ). I believe that the bank artificially creates temporary delays in some payments, not displaying them in the personal account. Thus, in a few days there can be several transactions that have the " pending '' status. According to the bank 's manager XXXX XXXX : " the bank uses priority based on the amount of the transaction, and not the date of the payment, a large amount is considered the main one. '' In my case : XX/XX/XXXX there were 5 ACH transactions with the same amount of {$10.00}, XX/XX/XXXX there was 1 ACH transaction of {$96.00}. Thus, after 3 days, the bank displays all payments at once, first the maximum amount of {$96.00} is debited, and then {$10.00} five times. I believe this is done solely to maximize the overdraft commission imposed on the account. Once again I want to draw your attention to photo 2. The result of the manipulation : XXXX $ ( overdraft ) * 5 ( times transactions ) = XXXX $ fees. At the meeting with the bank manager, I did not receive any clarification about the photographs provided and explanations to them. XXXX XXXX 's promise to sort it out was not crowned with a positive result, as the person was directly interested, and the photo remained without any explanations or comments, as well as the balance of the account. Earlier, I have already encountered overdraft charges to my account in the Key bank, but after I showed that I can not manage my debit card in the Key bank app, where it says that I don't have it, fees was dismissed... I wish to believe that it's system error, but manager said that he needs to ask someone and that I don't have a right to know it, but he will submit me a decision on a next day. I am forced to consider this as another manipulation on the part of the bank, when the manager shifts his powers to an indefinite person and avoids answering the photographs presented by me at the meeting. 

P.S. on the top of the pictures is date when it was created.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
While I am in XXXX, I have tried to make purchases with my capital one venture one credit card online, but have been unable to because I don't have access to my US cellphone number, and capital one requires a text based one time password to authenticate me for online purchases, I called multiple times asking them to turn it off or verify a different way, but they wont. An advertised as " travel '' credit card that is impossible to use for online purchases while traveling is not cool.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: BARCLAYS BANK DELAWARE
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In   XXXX   XXXX  , I was in the process of applying for a home improvement loan and found that there was an unknown cre dit card through BarclayCard o n my credit report. I had called and disputed the card and charges, which at the time was approximately {$2700.00}, and after that did n't think anything of it since I was told I would get a phone call if there were any other questions. In about   XXXX   XXXX   XXXX   I called to check and make sure that there was no longer an active account in my name, at that time I was told that someone had called and claimed responsibility for the debt the day after my initial dispute. I continued to dispute the charges and they told me that since someone took responsibility the dispute will come back denied each time I put it in. I have received a collections notice from the agency representing them now and am still disputing the charges which are now {$2900.00}.

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 2016-11-01
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Other

Complaint:
i was a victim of a lost credit card that was used in another country and when the charge went through it was associated with a phony address i have never been associated with. Lost my passport in which was reported to proper authorities and proof of loss reported given to discover along with valid dr notes to prove i was XXXX when fraud happened, Discover called dr offices to confirm my appointments but under the HIPA LAW THE doctors or nurses are not allowed to give personal info on where and what therapy i have had but my legal note were good enough for them they had me guilty before i could prove my innocence and would n't put me on a three way call with my dr to confirm i was at the dr when the fraud took place and accused me of tampering with the dr notes. I also had proof i reported my passport lost they did n't care less i want proof of the debt and want to see the credit card slips with my signature on them. Also i was screamed at by XXXX managers of the fraud dept and was called right out liar i will not be spoken to in this manner. I BEGGED THEM TO RESEARCH IT MORE AND BEGGED THEM TO CALL DR PUT US ON THREE WAY CALL SO I CAN GIVE PERMISSION WITH HIPA LAW LET THEM RELEASE INFO TO DISCOVER THE DR OFFICE THAT IS. DISCOVER BROKE THE LAW CALLING MY DOCTORS AND REQUEST PRIVATE PATIENT INFO ITS AGAINST THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Payoff was made by bank in XXXX 2011. Original creditor did not credit to account until XXXX 2011, and assessed back interest and fees. Debt collection agency has been sent documentation on two different occasions and has just now sent statements- over a year after contact. This debt has been paid, and needs to be reflected as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Transaction issue

Complaint:
I am a victim of an online at home business scam. I received many unsolicited telemarketing phone calls from several companies, they all promised me profitable online business. This company, XXXX XXXX XXXX called me on XXXX, XXXX was the name of the agent that contact me, he was very persuasive. He explained that without the social marketing that my site would fail. He said that XXXX XXXX XXXX would do the marketing and develop keywords to increase the site visibility and that would get me up to the first page of searches. That they would do an average of XXXX posts to XXXX and XXXX, so I would have continuous exposure. XXXX XXXX would set up a XXXX ad words through XXXX. I expressed concern that the site was not active yet. He said that the marketing should be done way before the site is active to give it exposure so people will be able to find it. I was told a rep. Named XXXX would start posting immediately. I also be taught how to do this myself in the future. XXXX would continue posting as long as I paid {$99.00} per month. If I did n't continue, that the site would not be viewed in searches. Also, that without a targeted XXXX release the site would fail. XXXX then spoke to me about renaming the website. We did some brainstorming on the phone and came up with " XXXX XXXX '' and the lower price of {$2800.00}. I only saw a few posts here and there. I lost contact with them once I asked for my refund, they decided not to answer my calls or return it. I believe they never had any intentions of selling me a legitimate business and actually make money of it like they promised me. I was scammed and I need your help to get my refund since they never provided me with the services that I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On XX/XX/2017 I received a letter from my credit card company ( Discover Card ) that they have reduced my credit limit from {$4600.00} to {$4300.00}. They have not provided my any explanation for the action. I have been current and have never missed on all my payments. This lowers my debt to credit ratio thus lowering my credit score. This, in turn keeps the interest very high for this card, thus extracting more money from me in the form of interest. This is a form of " loan sharking '' and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I was issued a card from Capital One. I used the card ONE TIME for a {$40.00} purchase of gasoline. After that the card was put on a fraud block. I called four times to clear the erroneous block. Capital One would not even speak to me without my ( 1 ) providing copious amounts of written personal information including information about my brother who had nothing to do with my account ; or ( 2 ) going to a local bank and enlisting the help of someone there to prove my identity. All of this seemed like a phishing scam. Since I could not use the card, I paid the amount due and cancelled the account. ( I actually paid more than the {$40.00} that I charged for gasoline since my assistant included at least part of the annual fee in the check that was sent to Capital One. ) Since that time, I have received monthly bills for late fees, interest and an annual fee. I paid for what I bought, I own no late fees, interest and an annual fee ( since I cancelled the account within the time period allowed for cancellation without an annual fee ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation