BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
RE : Complaint Against Capital One Bank ( USA ) National Association Dear Ladies and Gentlemen : In XX/XX/XXXX, Capital One took over my XXXX  Credit Card servicing from XXXX XXXX, I went on line to set up account access. For some reason the set up process was not successful. After subsequent failed attempts to gain access to my account on line I called customer service for assistance with my user ID and password. It was difficult to understand the offshore customer service person 's accent but I explained to him that my cell phone was only able to make and receive phone calls because as a XXXX-year-old senior I am on a low fixed income t and don't have data capabilities thus, couldn't receive texts. In addition, I explained I can not afford internet at home and have to go to the library to gain internet access, so have limited time on line. 

The foreign customer service representative finally agreed to send an email with a link to the Capital One website where I'd be able to confirm my ID and reset my password. I tried that link several times and though I correctly provided all the required personal information, and all the information was absolutely correct, the link failed to grant access to my account. I ultimately learned that for some reason access to my account was blocked. I learned that on XX/XX/XXXX when I spoke with a Capital One Representative named XXXX who agreed to apply {$15.00} in equivalent reward points to my account. I was then transferred to an onshore representative who identified himself as XXXX, Fraud and Dispute Account Manager, IDXXXX. XXXX ' attitude is definitely not an asset to Capital One and though I provided all information to get help with my account, XXXX told me that to have my legitimately earned reward points applied to reduce my account balance I would have to submit a copy of the front and back of my driver 's license. That is where I drew the line and told XXXX to cancel my card immediately which he did. So apparently after correctly having identified myself I could cancel my card but XXXX reversed XXXX 's transfer of {$15.00} to my account and refused to transfer my reward points. I believe this is fraudulent and is truly shameful customer service. 

Capital One has sent me many letters and spent time and money trying to avoid awarding me the earned reward points. Yet, they have never explained why I was properly identified to cancel my account due to poor service but couldn't receive my earned reward points. The amount of reward points would now equate to approximately {$25.00} because of additional points earned before canceling my card. I wonder if Capital One is wrongfully depriving others in this same way. Thank you for your consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021, I sent XXXX XXXX member service a Cease & Desist letter in regards to account ending in XXXXpursuant to 15 USC 1605. XXXX XXXXh XXXX XXXX member service sent me a letter stating they will stop all forms of communications in regards to account ending in XXXX ( letter attached ). XXXXXXXX XXXX  Member Service closed down my account, they have also continued reporting false information on my credit report. Stating that I am 90 days past due on account ending in XXXX, which i am not able to make payments online, through mail, or phone. XXXX has continued to violet my consumer right 15 USC 1692 ( c ) ( c ). I have requested that multiple times that the cease all form of communications and also threats in regards to account XXXX ( violation 15 USC 1692 ( f ). attached are sent threats by XXXX of paying {$20000.00} on a {$7000.00} owed account which was not mines .Attached are my credit reports showing XXXX XXXX member service still attempting communication of account XXXX by stating that its 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am the co-signer for 3 commercial vehicles through XXXX. The company that the vehicles were financed through filled for bankruptcy in early XXXX, and XXXX closed our account and removed access from their payment portal shortly thereafter we must assume. When we tried to make the XXXX payment, we encountered the account closed and portal access removed. We immediately called XXXX and were given a set of instructions to mail three separate payments to a PO Box , which we did. 31 days after or so in XXXX, we received a notification from my credit monitoring service that I had three late payments. XXXX claims that they never received a payment, while I spoke to the customer service person, before transferring me to the bankruptcy department, and she said that it was never processed as the account was closed. We never received any communication from XXXX that our payment wasn't received or a process for payment, as the co-signer, while the bankruptcy was taking place. XXXX reported it to my personal credit as the co-signer without any communication to me. As soon as we found out that the payment wasn't processed, we immediately made a double payment through the bankruptcy department and set up a bank auto pay, to keep tabs of any future activity.

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 2017-06-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a POA for  a Citi Bank  customer. I paid for  XXXX   XXXX   XXXX   XXXX   credit card using on-line bill payment from   XXXX    XXXX   XXXX  to  Citi Bank. Unfortunately, I had a typo in the amount of the check. I typed {$15000.00} rather than {$1500.00}. Citi Bank has been unwilling to return overpayment to me.

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 2019-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/2019 my XXXX XXXX was pulled at least once by the XXXX XXXX at XXXX XXXX XXXX XXXX, CT after confirmation that they had pulled the score already on XX/XX/2019 via the online application that I submitted for an auto loan.

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 2022-03-17
Company: Glass Mountain Capital, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Glass Mountain Capital LLC XXXX XXXX XXXX XXXX, XXXX XXXX IL around the beginning of XX/XX/2022 to verify a debt and got a generic response that answered none of the questions that I requested to be answered via my conditional acceptance. The response I was given on XX/XX/2022 also has multiple FDCPA violations furnishing information on a consumer credit report without the consent of the consumer is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: NC
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:
I contacted XXXX on multiple occasions on XX/XX/XXXX stating that I was a victim of their inquiry issue and the representative failed to honor the inquiry issue and failed to help me giving me terrible responses that didnt solve the problem. These are the following hard inquires : XXXX XXXX ( Finance ) XXXX XXXX, XXXX -XXXX  XXXX, XXXX XXXX XXXX ( Bank ) -XXXX XXXX ( Finance ) XX/XX/XXXX -XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXXXXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX -TXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX -XXXX  XXXX, XXXX AXXXX XXXXL ( Finance ) -XXXX  XXXX, XXXX XXXX XXXX XXXX ( Auto ) -XXXXH ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. ( Bank ) -XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) -XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) -XXXX XXXX ( Finance ) XX/XX/XXXX -XXXX  XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Experian Information Solutions Inc.
State: NJ
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:
Went to purchase a car they said my report said I had to many inquiries.I did not do them some one hacked me

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
information in correct

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 2017-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX &  XXXX  of this yea r Portfolio rec overy began sending notices and calling for a debt collection from  XXXX  's of  XXXX  which was charged off and sold to them because I began disputing items on my credit that did not belong to me. According to credit report they purchased this account on  XX/XX/XXXX  never signed a contract with portfolio recovery it was a closed account when my report was ran on XX/XX/XXXX after which I disputed because I did not owe nor do I owe a debt to portfolio recovery. I have never acknowledge the debt with them because it is not my debt. After disputing after the 30 day deadline to validate they sent a letter with copies of statement that anyone could get still have not sent proof of a signed contract nor any proof that the debt was validated. On  XX/XX/XXXX  I received a letter from a lawyer stating that they now will be collecting a debt for select portfolio for the same amount stating they were contacting me on portfolio recoveries behalf. Demanding that I begin making payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
To Whom it May Concern, I have repeatedly and fraudulently been charged on a Chase Bank Amazon.com card for a Amazon.com services I do not want and have tried to cancel. 

The problem began in mid-2019, when I learned that I was being charged monthly by Amazon Web Services. The charges were small -- {$1.00} per month -- but because I do not use this credit card for anything, I had no reason to suspect these charges were accruing. When I learned that they were, I filed a formal complaint with a credit reporting bureau. This happened in XXXX 2019, which was also the time when I requested that the service be cancelled. My complaint was rejected with no explanation. Despite my request to close the AWS account and thereby stop the charges, the charges continued without my knowledge or consent through the summer and into the winter of 2019. 

Moreover, in XXXX 2019, Amazon.com changed the way I was billed for a different service ( an XXXX  subscription with XXXX ), moving the automatically-recurring billing from my default credit card ( whose balance is automatically paid ) to my Chase Bank Amazon.com credit card. I did not consent to this billing change and would never have done so. It happened without my knowledge or consent. 

As a result, I ended up with a delinquent account that has severely damaged my credit. 

Finally, I feared something like this might happen. In XXXX 2019 I made an extra payment to Chase Bank ( I owed something like XXXX dollars and paid XXXX ) just so that I might have a credit cushion in case of further unauthorized charges. Chase Bank then refunded this credit, only to days later charge me for being past due and late in my payments. This is outrageous and unfair. I believe that Amazon.com and Chase Bank are engaged in highly deceptive practices. 

My hours on the phone with Chase and the credit reporting bureaus have been wasted, as I am simply transferred from Customer Service to Disputes over and over, back and forth, with nobody able to explain why any of this happened or provide me with any form or redress. 

I fear I may lose my house over this -- over a {$1.00} charge that I cancelled, but which was repeatedly billed without any explanation. And I have a fifteen-month old! The experience has been distressing, and the results could be catastrophic for me and my family,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-03
Company: WELLS FARGO & COMPANY
State: LA
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 have disputed several times a debt from  Wells Fargo   XXXX   XXXX    yet it still remains on  XXXX  of my credit reports   XXXX   and  XXXX  it was deleted from  XXXX . I disputed it as I do not know this account and I do not as it was not my account It clearly states on both reports that I was an authorized user only which according to the law makes me not responsible for this account. I called to speak with them on  XXXX / XXXX /  XXXX   was told they could not find an account with my ssn and to call another department to check. Called that department was placed on hold and transferred several times before being transferred the last time after being told I was in the wrong department, without getting warm transferred nor given the number it took me to a place asking for an account number when I could not answer the ivr because I do not have an account with them was hung up on.

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 2017-06-03
Company: Harley Davidson Financial Services Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am a   XXXX   XXXX     XXXX   recently assigned to   XXXX   XXXX   orders.
<P/>
Harley-Davison Financial Services, subsidy of Harley-Davidson Motorcycle Company, has refused to honor the   XXXX   XXXX   military orders, and keep my account under Servicemembers Civil Relief Act. All other creditors have honored my orders except for this company.
<P/>
They had initially honored the orders back in   XXXX   XXXX   XXXX  , and then terminated my SCRA terms in  XXXX , and are charging me late fees for the past two billing cycles in addition to inflating my interest rate on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Funding claims they own the debt but repeated requests to provide proof they own it have resulted in no response. This company has also re-aged the debt on my credit reports of all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX when my bankruptcy was discharged AES basically XXXX out my account and listed on my credit as discharged. But what the did was transfer the balance to a new account as if I opened up a new student loan as if this was not the same student loans from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: RAB, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I requested a " pay in advance '' loan a long time ago. I went into really difficult situation with some family medical issues and I did some arrangement with that company to make monthly payments. But now they hire a collection agency that is really harassing me, my family and at my work. I told them to send me everything by mail but they refused to do this and they keep really harassing me. I want that they stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: CONTRACT CALLERS INC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX sent an account to collections after sending the bill to the wrong address and failing to notify me. I own a rental property in XXXX, XXXX. I signed a Landlord Agreement stating that XXXX XXXX can send bills to me when a tenant moves out ( to avoid service interruptions ). At the time I signed the Landlord Agreement in XXXX, I was living in XXXX, and requested the bills go to that address. I moved to XXXX XXXX  in XX/XX/XXXX. According to XXXX 's records, I called in XX/XX/XXXX notifying XXXX a tenant was leaving the rental property and asked that the bill be sent to XXXX XXXX. Nonetheless, XXXX sent the bill to XXXX. I never received notice of the bill and XXXX ultimately sent it to collections in XX/XX/XXXX. No attempts were made to reach me at the email address and cell phone number I listed on the Landlord Agreement ; I only learned of the bill when I received an email stating there was a change to my credit report ( I still have never received a copy of the bill ). I immediately contacted the collection agency and paid off the bill, but I still have a negative mark on my credit report for the account being sent to collections, which has dropped my credit score ( it doesn't matter that the account was paid because it was reported that it was sent to collections ). I have repeatedly contacted XXXX, the collections agency ( Contract Callers ), and the credit reporting agencies seeking to have any mention of the debt collection removed from my credit history because I never received the bill. 

In sum, despite my call asking that any bills be sent to XXXX XXXX, XXXX sent the bill to XXXX. I am seeking to have any mention of this debt collection removed from my credit history because I never received the bill.

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 2021-11-15
Company: Square Inc
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX XXXX There was a gas transaction initiated at the pump, Which put a {$75.00} hold on the card, but before the transaction was started, it was canceled at the pump, at {$0.00} I then made another transaction conpleting a gas purchase It appears it was XX/XX/XXXX when I 1st noticed that the {$75.00} was never put back into my available balance by available abolence, after looking at it, it was no longer marked pending, in fact it was marked completed I contacted cash app That is when they referred me to contact XXXX XXXX XXXXXXXX, the gas station where the transaction took place, I then contacted XXXX XXXX  XXXX, was able to speak to a representative who has encountered the situation with cashapp previously, he sent me documents confirming that the transaction was closed out with a {$0.00} balance from XXXX XXXX  XXXX, very shortly after the transaction was 1st initiated. I then reached back out to cash app relax relaying the information from XXXX XXXX, also submitting copis so submitting copies for verification And have continued to get the run around with robotic responses An avoidance of finding a resolution, I have continued to be passed on from representative to representative from representative to representative to representative to representative over and over, i was given a case # XXXX And have repeatedly been told that they have escalated my case to the proper division, it's division, but when I try to reply through email I get a response stating we closed your case because the response was provided and it's been more than 3 days since we've heard from you, there was never any response necis any response necessary or even an email for me to respond to, adding to their avoidance and closing a case that is obviously not is obviously not resolved

Company response to consumer: Closed with explanation