BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Capital One XXXX XXXX XXXX card. In XX/XX/XXXX, I had my dryer repaired, and paid using my card. In XX/XX/XXXX, the repair failed, and the dryer caught on fire. I looked at my receipt from the repair service, and noted their warranty was only good for 90 days. I recalled that my Capital One card came with extended warranty benefits. I called Capital One, and the rep told me I don't have such benefit. I looked on the site, and reviewed the following information. Warranty benefit page XXXX XXXX XXXX XXXX My Card type is listed as a XXXX XXXX XXXX XXXX XXXX XXXX. However XXXX isn't a listed card type on the benefits details page XXXX XXXX XXXX XXXX I looked at the " XXXX XXXX '' page at XXXX XXXX XXXX and looked at the warranty benefits section. I called " Benefits Administrator '' number listed there, XXXX, and received a recorded message that the number had been disconnected. I feel that Capital One has defrauded me, or poorly communicated my card type/benefits to me. I paid {$310.00} to have my dryer repaired, and can not obtain the warranty benefits which Capital One claims in writing that I have. I paid another {$200.00} to have the dryer repaired again, and this doesn't cover the fire damage. 

I filed with XXXX, and Capital One responded in a robotic manner, and didn't address my question, they simply said this wasn't a XXXX benefit anymore. I am still unsure if my card ever had this benefit, and don't understand why it was never communicated that this benefit was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt is from Cash Call and is sold to XXXX XXXX XXXX XXXX The information they are providing does n't match anything that I 've done. Date of loan is XXXX XXXX XXXX and amount is {$5000.00}. They are trying to collect {$15000.00} and has garnish my pay. I 've ask many questions, they can not answer and told me all that matters is there 's a judgement against me. All the information provided by this company does n't match including my pay stub, cable bill. I 've never bought or got service from XXXX, the pay stub said I worked for a company that I didnt. I called the companies and verified everything.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
I was in a XXXX XXXX about XXXX years ago I was in a XXXX XXXX XXXX XXXX just beginning to start my life again when I checked my credit report someone was trying to get a car loan in my name and now I have XXXX inquiries on my credit report that don't belong 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 2022-03-14
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  has requested a credit inquiry for times now.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   and I just received ANOTHER credit inquiry from  XXXX   XXXX ,  XXXX   ( reference numbe r  XXXX  ). I have called them each time to have this removed because I did not request credit with them or  XXXX  ( which is what is on the denial lette r ). Ea ch time they state it will be removed but never is. I also filed a dispute with Equifax the last time in  XXXX  and they simply added a note to my account. I believe this to be fraudulent activity on the part of  XXXX  because they have been notified by me each time. I do not know what to do to have them cease this activity and it is impacting my credit negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I placed an order for furniture from XXXX XXXX XXXX ( Phone XXXX ). Chase Bank prevented me from using my bank card by setting daily limits. I then placed an order for furniture ( XXXX and XXXX ) with my Chase Bank account XXXX, Check # XXXX. The sales representative XXXX XXXX added a person 's name ( XXXX XXXX ) to the check instead of the furniture store 's name, then cashed the check. Needless to say, he has not delivered the furniture, and he no longer works for the store. I contacted Chase Bank and reported the fraudulent check, and they asked if I wrote it. I told them I wrote it but XXXX XXXX added the name. Chase refused to reverse the transaction despite my complaints. I then called Chase to get the name of the bank the check cleared through. Chase informed me they DO N'T KNOW what bank cleared the check, and DO N'T HAVE have any identity of the person who cashed the check. They refused to refund my money in the amount of {$2800.00}. I want a refund from Chase because not only do refuse to open a fraud case, but they neglected in processing the check. The check was not written to the correct party and Chase has no documented evidence of who cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a closed a count on credit report which has disputable closed dates showing on XXXX  transunion and XXXX. XXXX shows that the account was closed XX/XX/17, transunion is showing the account closed XX/XX/17. This information isn't consistent on reports.

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 2018-03-14
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested and continues to report this trade-line to two of the three major credit bureaus. I requested validation of this account in XX/XX/XXXX to no avail. I also disputed directly with them in XX/XX/XXXX. To date XXXX XXXX XXXX continues to disregard my requests and ignore my consumer rights. I requested the documents from their files used to validate this account but all I received was an itemized billing statement from the original creditor. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified and unvalidated accounts must be deleted. Who verified this account? What documents were used to verify? Are these charges valid? The only correspondence that I received was a letter stating that I owed this debt and a billing statement ( this item does not qualify as verification per FCRA ). This company is in violation for continuing to verify the account with the credit bureau without properly validating or providing the evidence as requested. XXXX XXXX XXXX is blatantly disregarding the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 filled a dispute with the credit bureaus and its been well over 45 days.

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 2017-02-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dozens of promises from XXXX to remove a fraudulent credit inquiry from my report. I have been told DOZENS of times that the issue is resolved but Equifax insists that XXXX has not contacted them. This is from a VERIFIED ID THEFT incident in XXXX of 2015 ( NOT A TYPO )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
n accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602A 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 non-monetary relief
Consumer complaint received 2016-10-06
Company: ACS Education Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My student loan was discharged due to VA XXXX. It was discharged XXXX 2015 and I 've called and emailed ACS/XXXX, XXXX XXXX, XXXX, Dept. of Education and the IRS. I never received my XXXX Form and I kept getting the runaround, ACS said they do n't issue, call XXXX XXXX and XXXX XXXX gave me a letter with an amount, not the actual XXXX form. I called the IRS and they said that no one has issued a XXXX under my social security. XXXX XXXX said my lender should of given me the XXXX but ACS is the servicer for XXXX and said XXXX XXXX is the one to issue my XXXX form. My next issue was that my Credit Report ( XXXX ) was the only XXXX out the XXXX credit bureau 's to have under the comments section, Student Loan Assigned to Government ; Fixed Rate. I 've been disputing it and it 's still not fixed. ACS sent a letter saying that my loan was discharged but it did n't say VA XXXX and I do n't know if that has anything to do with why I did n't get my XXXX? If no-one filed a XXXX with the IRS, maybe that 's why I did n't get it. I do n't know the actual procedures of what happens when a student loan is discharge because of Veterans XXXX, but I just want to make sure that I 'm not on a 3 year monitoring period and maybe that 's why my loan on the credit report says Loan Assigned to Gov. Fixed rate. I get different answers every time I call or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: BlueChip Financial
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
a person name XXXX called me from her cell phone about a debt.i called that same number back the next daya nd the number no longer exist.she been calling me from a XXXX number and a XXXX number.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have had this student loan for going on 10 years. When I signed up for this student loan I was told that I could receive a co-signer release after making two years worth of on time payments. After making my two years worth of on time payments I was told that I could not receive a co-signer release because I was on a graduated repayment schedule which had a lower payment than the full schedule payment. They said I had to make an additional two years worth of full on time payments before I would qualify to have my co-signer released. I called in yesterday to check to see if I have made enough full payments to have my co-signer released from the student loan and was told because I took a temporary forbearance on this loan that it prohibited me from ever getting a co-signer release. If AES knew I have been trying to get a co-signer release when I requested the temporary forbearance why would n't they tell me when I called in " If you do this your going to be stuck with your co-signer forever '' why does it not stipulate it on any of the forbearance paperwork I received from them? This is deceptive and wrong. They need to honor our agreement for the co-signer release.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Mid-Atlantic Consumer Services
State: CT
Product: Credit card
Issue: Payoff process

Complaint:
I keep receiving phone calls from a debt collection agency Mid Atlantic. They are threatening me with a potential judgement regarding a debt from 2009. They claim it 's from XXXX XXXX but when I looked on my credit report there is no account mentioning XXXX XXXX. They also mentioned XXXX which I am assuming is another credit card company that possibly bought the account? Neither one is mentioned on my credit report. I paid multiple accounts off throughout the past XXXX years. Each time I paid via a website and received a confirmation letter either via email or mail. I also printed each receipt after making payment. This company says I can only pay over the phone with a credit/debit card or a prepaid card. I told them I do n't do that because XXXX, there is no mention of this account on my credit report and XXXX I only make payments via internet or through the mail with a money order. He said I would have to wait for the hearing. I 've been getting these phone calls non stop for several months. I feel it 's a scam and how do I truly know who I am paying. Why have n't they sent me paper work via United States mail? I 've lived at the same address for many years. Why has n't the original creditor contacted me? Why has n't a collection agency sent me a letter in the mail? I only want contact with this company via United States Mail. And I want proof that the debt is legit. I could 've paid it off with another agency and that agency never reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: WELLS FARGO & COMPANY
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle in XXXX of 2015 at XXXX. I was told by the dealership that I was the buyer and XXXX XXXX was the co.buyer. I was recently made aware that my name is n't on the vehicles title or registration. I have made payments on this vehicle for more than one year and I am unable to drive the vehicle because I am not the registered owner. Wells fargo Dealer Services has reported this loan on my credit report but I am not the lawful owner of this vehicle. I am unable to locate XXXX XXXX who is the listed owner of this vehicle. I can not continue to make payments on a vehicle that I am not the owner of. Wells Fargo Dealer Services received the funding package from XXXX and did n't secure my interest in said vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: EQUIFAX, 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 status incorrect

Complaint:
The credit bureau report XXXX XXXX late on my credit report. I was never late. I pay on time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, 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 went to file my taxes and I was told my identity has been stolen because some one had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$5600.00} US DEP ED XXXX {$14000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$540.00} XXXX/XXXX   XXXX {$250.00} XXXX/XXXX   XXXX {$500.00} DEPTEDXXXX   XXXX {$4500.00} DEPEDXXXX   XXXX {$3000.00} XXXX XXXX   XXXX {$0.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$540.00} XXXX   XXXX XXXX XXXX {$420.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
When I did my taxes in XXXX for the Year XXXX I found Credit Card opened that I did not. I contacted the Credit Cred Companies to dispute the Card and verified that I did not have anything to do with the Card being open. For months I called and disputed the XXXX over and over. I even disputed the Card on XXXX. All I head back is that the dispute was found I was accountable for the Card. This has been going on for years now and need them to be removed from my Credit Reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21 I made an ATM deposit at my local bank that I have an account through. This was a personal check totaling {$3100.00}. On XX/XX/21 the check showed AVAILABLE in my account ( not pending ) then about an hour later the positive amount disappeared from my transaction history and was replaced with a XXXX charge. The bank originally said the funds would be available later in the day on XX/XX/21. When they weren't available the bank stated that the funds were on a hold and would be available on XX/XX/21. The bank could not or would not explain where the transaction of XXXX came from or why it is pending in the account. On XX/XX/21 the positive addition of XXXX showed up, but the XXXX is still showing and again the supervisor avoided answering why this charge was on my account. The only description for this charge is " Standard '' there is no debit card or check linked to this charge. Now the bank is saying the funds won't be available until tomorrow XX/XX/21. 
I want an answer as to why they took XXXX and where that money is. This has caused {$800.00} in overdrafts in my account due to the mysterious charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
My name is XXXX XXXX XXXX. I am filing this complaint for my self and do not need any assistance from anyone to file a complaint against your company for the fraud you have committed against me. I did not give Midland Credit Management any permission to use any of my identifying information o commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Lastly, pursuant to 15 USC 1681 c-2 Block of information from identity theft resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of

Company response to consumer: Closed with non-monetary relief