BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
I paid off my credit card balance in full, and then saw a mysterious charge that was NOT made by me. I contacted Capital One twice, and the charge is still there. Furthermore, they have not closed this card down, which makes me vulnerable to more attacks. Something is very wrong about this, and I need help fighting for my rights to get the protection from fraud that Cap One should be providing without me having to go to this trouble. I'm interested in also filing a complaint about Cap One using off shore call centers to handle calls about fraud, and how this problem has escalated as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$48.00} ; XXXX XXXX Balance : {$97.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/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 2022-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I mailed my Capitol one check, for XXXX dollars to XXXX XXXX services for payment on my XXXX XXXX, someone, somehow got my check and endorsed the back of check XXXX, and deposited in there personal account,, I became aware of this fraud on XXXX,, I immediately went to my bank ( Capitol one ) on XXXX XXXX, XXXX, New York, I was advised by the teller to call Capitol one and report this. 
On XXXX I called Capitol one and spoke to XXXX who told me a folder will be opened and someone from Capitol one fraud dept will contact me. 
Having not heard from bank by XXXX, I called Capitol one again and spoke to XXXX, who transferred me to XXXX from security, who told me its still a ongoing investigation. 
On XXXX I again called Capitol one and spoke to XXXX who told me she will put a note in my file and a representative from Capitol one will contact me. 
On XXXX I contacted Capitol one again and spoke to XXXX, who stated that Capitol one has requested, from other bank, that the said funds, XXXX, be returned As of today XXXX, I have not received any of my money back, I have never been contacted by anyone from Capitol one, not a text, not a email, not a phone call,, and Capitol one does have all my information .as stated before, as soon as I found out about this crime, I notified my bank and followed exactly what they told me to do, I would appreciate any help you might render in assisting me with getting what is rightfully mine, since Capitol one have been useless this far!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Block, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Square Business debit card in the mail. It was sent to my home address in my name. I did not open this account ; someone else was able to open the account fraudulently in my name. This is the second incident of fraud involving Square Inc XXXX XXXX XXXX in the past 2 weeks : My wife received the same type of card in her name last week, also as a result of someone fraudulently opening the account in her name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
N accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX I received an Email from Citi Bank telling me they needed to speak to me. Being hard of hearing I had my wife contact them, with my permission, to find out what was wrong. They told her that they believe my credit card had been used fraudulently. She asked for the names of the charges which they summarized and they were not made by us. They closed the account and reissued a new card. They opened a Identity Theft Case on XX/XX/2022. They sent us an Affidavit of Fraud form to fill out. They told us to make a minimum payment of {$35.00} in good faith of which we did. When I got the bill I filled out the Affidavit attached a Police Report and a Identity Theft Report with The Federal Trade Commission. The Charges that were made on the card that are disputed are : XX/XX/2022 XXXX XXXX XXXX, XXXX, NV for {$1200.00}. XXXXXXXX XXXX XXXX, XX/XX/2022 for {$2.00}, and {$19.00}. XX/XX/2022 for {$12.00} and XX/XX/2022 for {$12.00}. Then on XX/XX/2022 a XXXX charge for {$1100.00}. Then the next Bill came and another Charge on XX/XX/2022 from XXXX XXXX XXXX XXXX, NV for {$190.00}. we have disputed all these charges of which come to {$2600.00} of which they are adding interest. My Wife called ( XXXX @ Citibank XXXX ), on XX/XX/2022 and told them they can't be requiring minimum payments and adding interest to disputed charges. All that happened was we got another Email on XX/XX/2022 saying that our dispute is being looked into. Then on XX/XX/2022 I get another Email telling me my adjusted payment due to my billing dispute is {$56.00}. So I'm Still paying for disputed charges and being charged interest for charges I, or my Wife never made with the Citi Bank MasterCard.

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 2021-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Amount of {$14.00} was erroneously charged to my capitalone credit card account XXXX on XX/XX/2021. Merchant name of the charge was XXXX XXXX XXXX XXXX WA. 

Charge was disputed with Capital one over the phone and requested documentation was sent by fax to Capital One. Temporary credit was given but then on XX/XX/2021, CapitalOne re-charged the amount of {$14.00} back on the account claiming that they didn't receive the information they needed! 

I emailed Capital One Director of Complaints XXXX XXXX at Capital One but received no reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-12
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Numerous calls to my personal cellphone everyday.

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 2020-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am 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 explanation
Consumer complaint received 2017-07-22
Company: Collection Bureau of America Ltd.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed this account on my credit report with XXXX XXXX XXXX XXXX. I have no idea what this is and how it ended up on my credit. I disputed this XXXX x to XXXX, XXXX, and XXXX. XXXX  verified that this was not my account and that the company did not respond in time and they deleted it from my report. Well XXXX and XXXX keep coming back saying it is verified because my name matches what the company has on their automatic report. This is not valid proof of the debt and is violating my rights to continue to have this on my credit report when it is not my account and is not being accurately verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: CT
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:
Filed dispute with Equifax over incorrect information from XXXX XXXX ( charge-off in XXXX, first delinquency XX/XX/XXXX ). XXXX had failed to cancel my account and continued billing, part of a hot mess when they took over from XXXX XXXX XXXX. I have multiple records supporting their incompetence. 

Equifax updated the record to show a " last reported '' date of XX/XX/XXXX. The credit score generated by them is XXXX points lower than that generated by the other credit bureaus. Their own credit score explanation gives " serious delinquency, date too recent or unknown '' as the primary factor impacting my score. This is preventing me from refinancing my home. The date is entirely within Equifax 's control ; they are responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony bank closed all of my consumer credit cards. I never had a late payment and most of them were paid off recently before they went and closed them All which hurt my credit a ton increasing my debt to income substantially.

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 2017-07-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have made an international transfer of XXXX XXXX to Coinbase Inc on XX/XX/XXXX. On XX/XX/XXXX they sent me an email saying they will not deposit the money into my account, but refund it within 1-2 business days instead. I have been waiting for the refund 3 weeks now and have not received any response or money back from the company. The customer service is not responding either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: CURO Intermediate Holdings
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I took out a payday loan for {$400.00}. Over the next four months I had to make payments of ~ $ XXXX to satisfy paying off the loan without additional fees. I did pay off the loan but in XXXX I was notified by the law office of XXXX XXXX XXXX in Colorado that my debt now totalled > {$1800.00} with fees. Until XXXX I had not been notified that this original payday loan was unpaid. When I asked the law office for proof of non-payment they stated they did not have access to these documents. I was unable to find previous email correspondence showing my receipt of payments from XXXX due to the the email account had been deactivated years prior. In trying to find a resolution the law office refused to negotiate and then served me notice at my home in XXXX. In short the law office of XXXX XXXX XXXX has not been able to prove my loan was not paid and has added over {$1500.00} in fees and penalties as they say my new balance owed is in excess of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$48.00} ; XXXX XXXX Balance : {$97.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Experian Information Solutions Inc.
State: UT
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 disputed the account with XXXX XXXX, experian, XXXX, and XXXX 3 times. XXXX and XXXX verified that this account was not mine and also that the company did not respond within 30 days so it was deleted. Well with Experian they are still leaving this on my credit and I this is not my account. I have not had any resolutions from experian or account recovery on this account. I asked for proof that this account is mine and I have not had any results.

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 2017-07-22
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX College has closed down and I been trying to Dispute and give loan forgiveness, but they wo n't give it to me. I was re enter into school due to have to do my taxes and in the most of me picking out my classes and they start closing down and I was n't able to finish my classes. No warnings or letters or nothing just closed and got stuck with the loan and that 's ridiculous. I need relief and it needs to be forgiven by Navient Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Bank of america closed my california edd debit card over XXXX months ago due to fraud activity. 
I went through california edd identification verification process and verified. Edd request bofa to reopen my account but bofa still closed my account. Bofa reps continue to ask me to wait. Also bofa finished their investigtion and closed the case as fradulant activity. I like Bofa to reopen my account so i can access to my funding

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 2020-01-26
Company: Braviant Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
on XXXX XXXX i obtained this loan to which i believed was a 3 year personal loan and is illegal in the state of VA , this company is not licensed in this state at 281 % interest which is a payday loan not personal loan the total payoff is XXXX for a 12 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting XXXX XXXX account number beginning in XXXX, have 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting XXXX XXXX account number beginning in XXXX, have 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: CarFinance Capital LLC, Irvine, CA Branch
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these companies to pull my credit report

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 2017-07-22
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was on a income based deferment and when I received the information that it was time to renew I sent in my information again which I qualified for deferment automatically because I was receiving government assistance. A couple months go by and I receive a notice saying my account was delinquent I called them and explained the information was submitted online. They say that it was incomplete but it was not all I had to supply was my benefit letter and they made me resubmit it and reported me as 120 days late 3 times for each of my 11 loans. Even though the verification information was marked as received on their website prior to the due date. I have disputed this information several times with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They pulled my credit report without my Authorization.

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
On XX/XX/22 I applied for a home loan and discovered an old debt thats not mine. The status is closed but on my report it shows that there was a balance of {$8000.00}. I contacted XXXX XXXX XXXX and they have no record of 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