BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
In XXXX XXXX XXXX, I placed a stop payment against My Essentials through my bank, Capitol One XXXX. On XX/XX/2023, Capitol One 360 allowed My Essentials to overdraft my account in the amount of {$23.00} when I had a stop payment against this vendor. This put my checking account ending in XXXX in the negative. I contacted Capitol One 360 on Saturday, XX/XX/XXXX and spoke to the Customer Service Dept. who transferred me to claims. I explained the situation and they refused to immediately return the {$23.00} to my account. Instead, they proceeded to file a claim and carry on about how long it will take them to resolve this when they created the error in the first place. I then contacted Capitol One XXXX again on Sunday, XX/XX/XXXX and spoke to a Customer Service Agent named XXXX. I asked to be connected to a Supervisor. The Supervisor 's name was XXXX but she said she had to transfer me to the Claims Dept. again to get my money back. I spoke to a person named XXXX in the Claims Dept. who insulted me by saying it would take ten full days for them to give me my money back which Never should have been taken out in the first place!!! I proceeded to tell XXXX that I would contact the Consumer Financial Protection Bureau since they should have returned my funds immediately and Never have allowed this to happen in the first place.!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX ie XXXX XXXX was closed by the us govt die to illegal things now on one acct the credit builder act they called it to help increase my score has reported to XXXX and reduced my score by 120 points immediately after not at all fair warning closing of my acct after missing two payments of 22 mo to pay into the Acct and the loan WAS a CD ACCT AT {$1000.00}

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 2020-04-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB XXXX SS 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 2020-12-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I filed a general complaint yesterday XXXX, mentioning issues I have with all three credit bureaus however, I have specific major issues with Experian Solutions. My issues with them are : incorrect information on my file and they have ignored my request saying they can't verify who I am. They have the name XXXX XXXX listed as an alias for me and I never heard or such a person nor have I ever used that name. They list names of company 's XXXX XXXX XXXX, XXXX XXXX which are in correct and not associated me. 
They select the information they want to update my file but never address or remove the erroneous or incorrect information on my credit file. 

The Fraud statement I did not ask them to leave on my file for 7 years and they refuse to remove it. I believe it is keeping me from being able to get any type of credit including credit cards. My score was at XXXX and I keep getting turned down for even a secured {$500.00} card. My SBA loan for the XXXX was turned down as well. XXXX offered me an unsecured card, I currently have a {$300.00} secured card. after I accepted and applied they turned me down due to the outdated fraud statement Experian will not remove. My identity was compromised sometime ago but I have worked very hard to get my good name back. 

Lastly, Experian has made Improper use of my report and documentation I submitted to them. I am very leery of sending my information such as signature and picture to Experian. They have in the past sent this very sensitive information to some of their fly by night collection company customers. Their Customers sell bad and outdated accounts back and forth to each other. Two of these companies superimposed my signature which was provided by Experian, on a very old fraudulent bill. Experian attempted to verify this as a legitimate account but ultimately had remove it. I believe this is why they have flagged and targeted me unfairly. The other two credit bureaus have been following Experian 's actions on negative reporting. I only use about 3 % of my available credit and my score changes drastically on a daily basis usually down by 20 to 72 points due to the incremental balance increase or decreases of those accounts. 
My score went from a XXXX on XX/XX/2020, down to XXXX as of XXXX XXXX, with XXXX and the 600s with Experian. 
These outrageous changes on my credit file have been devastating to me especially during these times. I can't even put into words how much this has negatively affected me and my business. 

I appreciate what ever help you can give.

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 2015-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Past address is not mine. 
XXXX, XXXX never lived or worked there. 
It might belong to the other XXXX XXXX XXXX that lives in XXXX XXXX. 
The only other XXXX XXXX I know is my uncle that lived in XXXX, XXXX, and he died a few years back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm assuming that you either didnt receive my letter on XX/XX/2020 or your just ignoring me I noted in my dispute misleading and unverified accounts that were just placed on my account without 100 % knowing if it was accurate. At this point it has been over 60 days since disputing with you and I have yet to receive a response which is a violation. I hope that we can get this issue resolved quickly and get the items i listed removed from my credit profile to show my true credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm assuming that you either didnt receive my letter on XXXX or your just ignoring me I noted in my dispute misleading and unverified accounts that were just placed on my account without 100 % knowing if it was accurate. At this point it has been over 60 days since disputing with you and I have yet to receive a response which is a violation. I hope that we can get this issue resolved quickly and get the items i listed removed from my credit profile to show my true credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Portfolio Recovery Associates contacted me on my personal cell phone asking for my wife. I advised that this was not a number associated with her but I could take a message. XXXX then advised me that my number was indeed associated with my wifes account and proceeded to attempt to collect funds. When I told her she could not do that and asked how her company even got my number, she refused to give me any information. I asked to speak to a supervisor and she asked me if I was going to pay off the debt and if I was not then there was no need to speak to a supervisor. After a few moments on hold, I spoke to XXXX XXXX who promptly asked me if I was recording the call ( which I was ) and asked me to stop. She said it was perfectly ok for her to record the call but not me. When I advised that she was not allowed to contact me about a debt that I am not associated with, she said she could if she wanted because I am her husband. I then advised her that I worked in collections for 4 years and knew what she was doing was wrong and I was going to report her and her company to the FTC. She then got very nice and said she would remove my number from the system. I advised that if I received even one more phone call I would file a lawsuit and have my wifes debt forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDLENT INFORMATION FROM THERE CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE FRAUDULENT INQUIRIES I AM A VICTIM OF IDENITY THEFT BLOCK AND REMOVE THESE FRAUDLENT INQUIRIES XXXX  XX/XX/2022 XXXX FRAUDULENT HARD INQUIRIES XXXX XXXX XX/XX/2022 EQUIFAX FRAUDLENT INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Affirm Holdings, Inc
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I purchased delivery of flooring through XXXX. I have since canceled it/ advised them of the return. The item was sent to my home- extremely heavy of course, so XXXX  advised they would pick it up. I used affirm at checkout to pay. I also told affirm I am not going to pay this due to I canceled it. 1. Affirm states yes I will. As they report to credit bureaus if I dont. 2. XXXX- well still no pick up. I dont understand how they cant arrange their local store which is 10 minutes away ( XXXX  XXXX XXXX  ), XXXX  or XXXX  to set a day and time. I need you guys to intervene. Not only to send this back but to make sure I am not charged AND my credit is not affected!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I filed a claim with Bank of America ( BoA ) after depositing {$900.00} into a BoA atm and the machine freezing, taking my money and debit card, and not posting the money to my account. I immediately called BoA and spoke to a representative to file a claim. I did not leave the atm until the BoA representative told me my claim was submitted and it was okay for me to leave the atm. {$900.00} were deposited into my account while BoA investigated the claim. About a month and a half later on XX/XX/XXXX I received a notification from BoA that my claim had been denied and the {$900.00} were removed from my account. I called BoA on XX/XX/XXXX to ask why my claim had been denied and to request the documents they used to make their claim decision. During this initial call the representative stated that notes indicated the claim was denied on the basis of video evidence " showing I left the ATM ''. This representative indicated he thought the claim had not been investigated thoroughly and that it would be reopened. After a week of not hearing back I called again on XX/XX/XXXX and was told by a BoA representative that my claim had not been reopened and that I needed to send a letter of disagreement to get my claim reopened. I faxed a letter of disagreement ( uploaded here into the supporting documents ) and still did not hear back. Furthermore, during this time I still had not received the supporting documents I had requested from BoA. I called again and was told that my claim had been reopened and that I would get the supporting documents eventually. I called one final time on XX/XX/XXXX to speak to a supervisor and now they said that the video evidence did not support my claim, but I was told that I could not get access and that I would have to file police report to get this information. BoA neglected to inform me of this the first 4 times I called. I specifically requested to explain how their decision could be made since video should show money going into the atm, but no money or debit card coming out. The supervisor stated they could not answer that question. Furthermore, now they stated that there was no physical money found in the atm machine. I had specifically asked that this be investigated the first time I called and it is impossible for the money and my card to not be in the machine. When I first filed my claim I even requested a new debit card, because I was unable to recover it. I am requesting the CFPB investigate my claim and obtain the video footage from BoA, which they are refusing to share with me or answer questions about their decision.

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 2022-03-20
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I am submitting this complaint on PennCredit violations under FDCPA and FCRA. This complaint is be submitted without any influence from any third party or agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: FinCo Services Inc DBA Current
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I've had an account with current for close to a year or more if not longer. account was opened late XXXX/early XXXX. Current first suspended the account in the first few months of XXXX. I don't know the details or the specifics about why they have suspended my account but still gets deposits in the account and it still says it's suspended and under review and it's been saying that for almost a year. They do not give any information as to when they will unsuspend the account they do not answer emails, phone calls or when I tried chatting with them on someone else 's current bank account app. Current suspended the account with money in the account and refuse to release the money to me the account owner or at let me have any access to to any part of the account until I contact you to a lawyer and was going to see them and told them I was going to sue them if they did not release the funds and us has been a account due to US state law saying they can not keep me from an account that I am the owner of. This is the second time they have had the account suspended with funds in it or being deposited it refused to answer any questions or concerns via email phone call or chat. They are being unreasonable and very unprofessional when it comes to this financial matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 604a ( 2 ), it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contact collection agency and they cant provide any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in the mail stating I had a ticket that I owed money for. When I called to find out what they were talking abut they said it was for a speeding ticket in Illinois in 1999. I was nowhere near there at that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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 wanted to start building my credit because I am getting close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.

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 2016-07-19
Company: Utah System of Higher Education
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have submitted a request to my loan servicer Utah Higher Education Assistance Authority for income based repayment by faxing an IBR request form to them. The Utah Higher Education Assistance Authority has not acknowledge receipt of the request and is still claiming I have a delinquent balance. I want UHEEA to honor my request and check my elgibility for income based repayment.

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 2018-06-29
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
National Credit Adjusters are constantly placing calls to my employer to contact me despite being told via a written " cease '' request, with fax confirmation receipt on XX/XX/XXXX, to stop. I informed them on XX/XX/XXXX in writing that I could lose my job for too many personal calls or calls such as these. However, their calls continue. The National Credit Adjusters are calling from is XXXX and the persons calling my place of employment are : XXXX XXXX, ext XXXX, made multiple calls to my employer. The last one was on XX/XX/XXXX ; and XXXX XXXX, ext. XXXX made multiple calls to my employer. The last one XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Self Financial Inc.
State: WY
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:
Self financial reported that I " missed a payment '' on XX/XX/XXXX. The balance on the account was paid off and the account closed on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transaction is not information related to any transaction by me the consumer. 

DELETE OR BLOCK THE FOLLOWING INQUIRIES : XXXX, XXXX XXXX You are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.

Company response to consumer: Closed with explanation