BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I opened a secured credit card with a deposit and was approved. When the card came - the card was blocked from purchases. After many attempts to viewing my identity within a three month period I gave up and asked them to close my credit card since I had not been able to use it. 

They said they would return my deposit. 

Ive called numerous times and emailed and its been over 8 months and still have not gotten my deposit. 

I would also like them to remove the credit inquiries on my credit profile that they did with false intentions. There are three.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: MS
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 Accounts : XXXX XXXX Account number:XXXX, XXXX XXXX account number:XXXX, XXXX XXXX account number:XXXX  XXXX XXXX XXXXccount number : 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 explanation
Consumer complaint received 2022-11-30
Company: Incomm Holdings Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
We received a " XXXX XXXX '' prepaid debit card as a gift last year. I always use prepaid gift cards on XXXX to get rid of them ASAP. This one would not work on XXXX, so I attempted to " register online '' as suggested on the back of the card to rectify. 

Long story short, before I knew it, I had inadvertently signed up for a more official prepaid credit card to replace the gift card. Upon realizing this, I figured I'd just use up the prepaid amount and cancel the card. Once I used the card, though, I quickly realized they charge a transaction fee, varying based on where it's used, and that the balance could fall below {$0.00}. 

Since I could not cancel the card with a negative balance, I was forced to " reload '' the card again to get to a positive balance and pursue canceling the card. It was then that I realized that Serve requires *exactly* a {$0.00} balance on the card to cancel it.

The problem with this requirement is : ( 1 ) it's almost impossible to calculate how to spend it to exactly {$0.00} given varying transaction fees, ( 2 ) they also deduct a maintenance fee every few months, and ( 3 ) their phone support people offered *no* other options and don't seem honest about what's going on or how they have " helped '' you.

At any rate, after calling them multiple times, I finally got them to offer refunding my card balance by check ( via mail ) so that I could cancel the card. I have never received this check, despite calling them at least 3 times and being promised it within 10 days each time.

On top this, if/when my balance is {$0.00}, they still require that I call back separately to actually cancel the card. I have zero confidence cancellation would happen before they had chance to charge me another maintenance fee, making my balance non- {$0.00} ( and now negative! ). If true, then the cycle continues - reload, spend to {$0.00}, attempt to cancel...

I laid all this out to them on the phone. They remained unwavering to the possibility of cancelling until my balance is {$0.00}, though. Nor did they send *any* promised email verifications of my requests and/or their processing of them. ( E.g. notification of the check they were to send for the balance. ) As such, this seems a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had an account at PNC Bank with a {$200.00} balance. I had never received a fee on this account. I never received any mail or any communications from PNC. All of a sudden, I received a statement that shows my {$200.00} balance along with two {$7.00} fee withdrawals for having a low balance for a total of {$14.00}. I received no notification to the fact that PNC would start to withdrawal a XXXX XXXX  monthly fee due to my low balance. I called and the rep was not able to refund the fees. I was escalated to an " executive team member '' who showed no empathy for my situation and was not willing to do anything to help me. She acted like she was listening to me but she was just checking the box by having the conversation with me. In my opinion, this is simply PNC 's way of bleeding accounts so that they don't have to do extra work when accounts become dormant and or escheat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Albert Corporation
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX has scoffed off with 6 months of my social security XXXX income by locking me out of account so I cant report disputes, cancel card on account, see anything account information except for the diwindling balance disappear and myself not able to eat or pay rent or anything all my government funding gone and only way to contact them is by email that you send over and over but no response or resolutions of any kind how to I even close such fraudulent accounts?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Called at XXXXXXXX XXXX on Wednesday XX/XX/22 to make payment. Spoke to XXXX with ID number XXXX who put me on hold for three separate instances before telling me a half hour later that she can not process my payment. This is my 8th filed complaint within past 4 years. Everytime I call and your company refuses to process my payment I will continue to file these complaints as it is my only option. I have never experienced worse customer service anywhere in my entire life bar none than when I call your company.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: IN
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:
I discovered in XX/XX/2023 that XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IN XXXX pulled my XXXX credit report on XX/XX/2023 without my knowledge or consent in person by phone or email. I further discovered that on the same day XX/XX/2023 my personal credit information was submitted to 4 different auto lenders XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted by phone on XX/XX/2023 XXXX XXXX XXXX and spoke with the manager XXXX looking for answers and steps that I can take to determine how this happened and how he was going to help me remove these hard inquiries of my credit reports. He flat out said " there was nothing he could do '' nor was he willing to assist me in resolving this. I offered to physically come into the dealership and prove to him my identity and he again said " there was nothing he could do ''. I found this to be so irresponsible and so dismissive regarding customers personal information and how this company handles FTC regulations and laws as it pertains to fraudulent applications. I told him I was going to file a complaint with the Indiana Attorney General and Indiana Secretary of State if he was not willing to help me in any way. He did not care. I also complained to this car dealership home office XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX or ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 never gave your company a written permissible purpose letter to have these companies access my consumer report. I have previously tried to rectify this situation with your company instead of elevating this to other authorities, however, after numerous stall tactics I had to reach out to the FTC. I demand for your company to delete these fraudulent inquiries from my consumer report. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have state employees credit union reporting a charge off from XXXX and account closed. XXXX is continuing to report it as a late payment on my account even after sending me XXXX and charging it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I sent a dispute letter to TransUnion about inquiries on my report to delete and investigate and havent received no results 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 2022-06-28
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I was contacted by Venmo regarding an attempt by someone to send money to someone living at a refugee camp near XXXX, XXXX. I told them it was complete nonsense. They contacted me on XX/XX/XXXX and told me that someone made a mistake but that they wouldn't do that again. 

One XX/XX/XXXX - one week later!! - they were contacting me about a {$2000.00} transfer to someone from XXXX XXXX Bank. I told them it was fraud. They refused to help me unless I provided them with a picture of my driver 's license. Which has my full, legal name, my address, and my DOB. I'm not going to provide that to them to facilitate other schemes they may have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with Credit Collection Service. They did not provide me with the original contract like I asked.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: MO
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:
I sent letters within last 45 days in regards to me not being able to obtain a credit score or report from all three bureaus, this issue is causing a big XXXX because they are not responding to my letters and im paying for a credit monitoring subscription and still cant access a report. NO communication and no reports have been sent to my address.

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 2022-11-30
Company: ADIR INTERNATIONAL LLC
State: NV
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:
For the last few months I have been disputing this account ( CURACAO ), Which i noticed the reporting upon checking my Credit. Back in XXXX when i became aware, this account was reporting as a Charge-off and was sold to XXXX XXXX Also, it was reporting twice on my profile with multiple inconsistence 's. The accounts were also appearing as open after it was charged-off and had different balances reflecting on all three credit bureaus. Every time i sent a dispute, the accounts would come back verified and the " DATE REPORTED '' would come back re-aged as recent which would knock my credit several points and it is also illegal. I pulled my Credit report as of ( XX/XX/22 ) and notice that now CURACAO is reporting three different times and show a status of open on some bureaus and closed on another. Its hindering me from establishing Credit so that I can purchase my home. I ask that the Credit bureaus alongside CURACAO be held responsible far as making correction to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not own any money for XXXX the original creditor a open balance of {$100.00}. Violation of 15 1692. ( B ) ( 2 ). ( C ) ( A ), ( B ) ( 5 ). The fact of the matter is Lending Act is intended to protect consumers against abuse and decent by creditors and I have been abused and deceived by fraud and many violations not to mention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. 
XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} Date Opened : XX/XX/2019

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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has incorrectly reported to the credit Bureau that I was 30 days late due to their mistake with my auto payment. It was set up originally and they over charged me then stopped debiting my account and every time I would set up the auto pay they would stop it. I notified them on several occasions. They also had the wrong mailing address. I have contacted them on several occasions about these errors but they have done nothing to correct. Now my credit is impacted. I have two mortgages with them and this one does not get processed properly. They need to correct my credit and reverse the 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 2022-10-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I was made to partake in paying {$1.00} when I was shopping around for a home mortage loan. Then XXXX months later I was charged {$39.00} two days in a row. For a total of {$80.00}. For services that I never asked for in the first place. They never did anything for me except steal my money. When I called the company they stated that they could give me the same service for a discount at {$7.00}. I told them that they didnt do anything but steal my money and that I wanted my monies back. I stated that they are charging for services that they say are free. it even says that in their company 's name " 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 2022-08-22
Company: JPMORGAN CHASE & CO.
State: NY
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:
Time-Sensitive : I have a XXXX. 
Settled and payed off Chase Credit Card XX/XX/2022. NYS Dep't of Financial Services asked me to write a complaint with your agency. 
I need an electric statement emailed to me from Chase Card Services that the Credit Card Account I settled on XXXX is closed and has a XXXX balance, to urgently show a leasing office where I am trying to rent an apartment in a timely fashion as my current roommate has XXXX XXXX and I need to move immediately. 
I spoke with Chase Card Services, they said they are unable to issue such statement to my email, and it could take up to 60 days for them to mail me the statement I require in the U.S. Postal Service. I require the document this week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My father passed away and left me the home. I kept paying the mortgage and everything was going well. I fell behind on the mortgage XXXX, XXXX. Since then, I have been attempting to get the loan into my name and the mortgage modified. I could not get anywhere with XXXX so I hired a law firm XX/XX/XXXX. Since then my law office has collected multiple documents from me. I have been told that I have sent in the wrong application 4 times. I have sent in 5 applications and many supporting documents. My review keeps getting closed out and my lender is not advising counsel of my attempts to bring the loan current and telling their counsel I am not trying to save the home. This time I called on XX/XX/XXXX and I was told I needed to send a profit and loss, tax returns and a letter of explanation. The profit and loss and letter of explanation were sent on XX/XX/XXXX, the taxes sent on XX/XX/XXXX. Today, XX/XX/XXXX I called to check loss mitigation status and I was told the review closed out yesterday. I inquired as to why and I was told the letter does not say and so she doesn't know. Also, today the lender 's attorney sent an email that states " I do not see our office or our client have received any documents to review the loan for Loss Mit '' This is completely false as I have been attempted to be reviewed for over 2 years. I am unable to get a single point of contact to make sure all documents are in. Every time my review gets closed out I speak to a supervisor who says they will fix it however this keeps happening. I am now at risk of paying out of pocket for mediation, which I do not trust will be successful. If the lender 's loss mitigation department would review mediation would not be necessary. I would really like the servicing of this loan to be investigated as I do not feel that I am being treated fairly. My loan is XXXX XXXX  and I know there are programs to help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation