BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 had XXXX dollar excess in the second Mastercard - Spirt airlines. They stole my XXXX dollars and show the balance as 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 monetary relief
Consumer complaint received 2022-07-01
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-01
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
Im writing this complaint since I have no other way to solve problem with XXXX. The problem is following : On XX/XX/2021, I made a transaction with XXXXXXXX XXXX  XXXX for {$8800.00}. However, I never received the order in full. I got 5 % of the order and most of them are damage during shipping. The product I order is hardwood flooring and vinyl so I can remodel my house. I tried to contact XXXXXXXX XXXX XXXXXXXX but can not solve the problem. At first they told me to return the damage items to the store to get the refund. I told them I can't bring them to the store since they are oversized and heavy. They told me to send them photos, I sent them and they told me to throw it away, recycle it. They promised to give me full refund on one email ( attached ). However, they never processed the refund. I made a dispute with American Express XXXX XXXX ). Since its a credit card, I should not be liable for this type of charge. American Express resolved the case in my favor at first and eventually reversed the credit for no reason. Now they say that they can not continuous the dispute because of the time frame ( XXXXXXXX XXXX XXXXXXXX always try to delay the response ). Despite that fact that all the information are clear. 

Please help me get the refund back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I need all inquiries remove off my consumer credit report because I am aware without my lawful consent a comsumer reporting agency may not give out information about myself to your employer without my written consent.If you can provide me with proof of me giving my lawful consent or written notice, but if you can not I need you to remove all inquires immediately or I will send a written notice to the CEO which is XXXX XXXX and the CFO which is XXXX XXXX so we all can be aware of this negative information and need to remove off my consumer credit report.I am aware XXXX and Equifax should be able to provide me with proof of my lawful consent to report negative information without my consent I need all inquires remove from my consumer credit report before send a written notice to the CEO and CFO of XXXX which is XXXX XXXX and XXXX XXXX and also the CEO of Equifax which is XXXX XXXX and the XXXX XXXX XXXX XXXX that everybody is aware and would be tied into RICO charge and Racketeering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am disputing this collection account as this account was opened fraudulently. 
On or about XX/XX/XXXX of XXXX a person bought a cellphone from an XXXX XXXX XXXX store in XXXX  using my name and credit. The address they claimed I lived at was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Naturally, this person never paid the bill and the account went into collections in XXXX of XXXX which is when I was alerted by all 3 credit bureaus. I immediately contacted XXXX XXXX XXXX Fraud department to advise them that this account was fraudulent. The collection agency handling the account for XXXX XXXX XXXX XXXX at that time was XXXX XXXX XXXX  out of XXXX GA. 
The dispute with all 3 credit bureaus verified that the account was opened in my name frequently and was taken off my credit report with in a couple of weeks. 
On XX/XX/XXXX of XXXX I was alerted by the credit bureaus XXXX XXXX XXXX XXXX sold this fraudulent to a new collection company call Sunrise Credit Services out of XXXX NY. Same account number as the original collection company. 
I immediately disputed the account again with credit bureaus and now the account was verified because XXXX XXXX XXXX gave this new collection company my real address in Florida. Not only is XXXX XXXX XXXX trying pursue this debt twice now from the wrong person but they wrongfully sold my personal information to a new debt collection company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Alliance One, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from u guys stating that I owe {$510.00} for XXXX n I want to file a claim about this situation because on XX/XX/XXXX i paid {$100.00} for XXXX n they stated that everything was good until I got paid again XXXX they ended up shutting off my devices but I am wondering y i am being charged {$510.00} when I shouldn't be getting charged for anything bcuz i paid XXXX on XX/XX/XXXX so I would like a refund of what i am being charged

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am an American with a XXXX and a XXXX. I have repeatedly told PNC that I have health issues that prevent me from online banking. I have also other XXXX. 
Despite this PNC continues to charge me for a banking statement. 

Without me even trying to access the voice banking I was notified my voice access was suspended. I am not able to go to a bank due to my health issues. 
A fee of XXXX USD with withdrawn. 
I need to receive paper statements as a XXXX person without having to pay for it under the ADA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I made a ticket purchase through XXXX XXXX, a third party airline ticket company. I tried to cancel within 24 hours. I called, emailed and tried to reach them through the 'contact us ' section of their website. I received no response until days later. They refused to refund me the money. I submitted all my documentation to Capital One. They said that I should have cancelled the booking. I told them that I tried to by emailing and calling them but nobody responded. Capital One refused to do anything else, refused to protect my interests and simply reinstated the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Hi, On XX/XX/2022 I noticed a money transfer from my Bank of America credit card to XXXX XXXX. The amount is {$28000.00} and was not initiated by me. After this observation I have reached out to Bank of America after what felt like an endless waiting I could talk to a representative. I filed a complaint and received the complaint ID XXXX. I received very little insight on what has happened and there was a lot of focus on sending me new credit cards but I truly only care right now to receive my money back. They told me that they are investigating and will try to get my money back. The investigation may take 60 days.I can not see to which XXXX XXXX account the money from my credit card was transferred to. 
The week before I noticed that somebody has accessed my online account and I immediately changed my password and changed the login such that every login even from my usual device will require a 2-factor authentication. Before only money transfers required a 2-factor authentication. I also reached out to Bank of America where it was very hard to be able to talk somebody. After finally talking to a representative she checked and said everything is fine now. 
This is a very troubling experience and I feel I have no true control over my credit card. After further reading about it in the internet it seems as somebody initiated a " cash advance '' from my credit card but I have no idea how this could be achieved without my approval.

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 2018-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
A few weeks ago I went into XXXXto buy some products for the holidays. It was the time when i fist decided to start my credit and I only knew so little about it. So I went in around XX/XX/ to purchase some products, the sales representative didn't seem like she knew how to ring the cash register up ( I believe she was a new employee with minimal experience ) and I bought some makeup. I paid {$30.00} for a products I went in a few days later to refund and make a purchase for a cheaper version of the product I had previously paid for the day I went back was XX/XX/XXXX. I even waited a few days later for it to show up on my account. The refund should have been {$10.00} dollars. That same day I paid extra {$9.00} for a separate product so I initially thought the {$10.00} they would have returned to me would show up a few days later it did not. So the refund never showed up on my account after i had paid it. My resolution at first was to ask my credit card company ( Capital One ) to help me get a refund. The mistake that was made is they did not refund me for the right amount. So my credit card company charged me for the full amount. When my card charged me for that I had already exceeded my limit and my plan was to pay everything in payments and on time, remember this was my first month owning a credit card. My commitment was to pay everything on time so it wont affect my score. Here is the thing, since I had spent all the money on my card I did not plan on spending anymore since it wouldn't be possible to go over my limit. XXXX 's ended up re billing my card and since I exceeded my card limit ( {$300.00} ) it brought my balance to $ XXXX I don't understand why but it devastated my score very bad and now my score is XXXX. Now my score is very poor and I can not apply for other cards to improve my performance or help me get ahead in life with a good credit resume. I am desperate for help. I do not want to start my credit out like this. Despite the mistakes done I have not had any bad history with my credit and since I am fairly new and wanting to commit to building good credit I don't think I deserve this. I don't think when they re billed me that it wold affect my score. So far I have been making payments and least once or twice a week to see if it can help my score but they way they took the money out affected my future because I was aiming for the best now this unnecessary road block brought it down

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Transunion is reporting information that is inaccurate on my credit report. I disputed it a few times and nothing is still being done. They refuse to update my credit report and are showing wrong dates, wrong names, wrong addresses, wrong account dates, reporting accounts from XXXX and XXXX. They dont send me any information on the investigation that was done. I keep disputing all the wrong information but they report to XXXX XXXX that the information is accurate. It cant be accurate if I didnt receive any information on it and its the wrong dates or outdated information. The picture I uploaded even shows that I disputed this account twice and I was with XXXX XXXX XXXX with my current number and XXXX is showing that I still have an account with them as of XXXX I believe cause it still shows open account. This account is a couple years old now, Transunion also refuses to remove accounts past 7 years as well.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Sarma
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:
Remove XXXX Hard Inquiries, remove this is not my credit card XXXX  XXXX Reported on XX/XX/XXXX, remove all Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX EFX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX HARD Reported XX/XX/XXXX EFX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PO # XXXX XXXX VA XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX  XXXX FL XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX - XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX thank you for all your time and your help on removing these items off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Better Mortgage, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
We sold our home to Better.com ( Better XXXX XXXX XXXX on XXXX. We agreed to Better holding {$3000.00} in a deposit as a safeguard for our post occupancy of the home through XXXX. As off XXXX Better has been unwilling/unable to refund the {$3000.00} deposit despite written and verbal promises to do so on XXXX. Better is very difficult to reach by phone and/or email. It is a highly disorganized company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: MO
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:
conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
Asset acceptance LLC has sent a continuing writ to garnish my wages and stated that it is for a XXXX XXXX credit card. I have never had a credit card and they said the card was open like XXXX and writ to garnish is from XXXX. I never got anything from these people until now at my job. Someone is using my information! I refuse to pay money for something that I did not do. Asset LLC is no help at all of course just kept stating that garnish will continue and its up to me to prove this is not my debt from 12 years or more! I pay all the bills in my home and cant afford my money be taken and pay for lawyers. They said the original amount is over XXXX $ but now over XXXX $ is owed and dont. Have contact number for XXXX  XXXX either to dispute this. Case XXXX. I need these people stopped and the one using my information. I did put in a police report years ago around that time when mi drive license was stolen and back then my ss # was displayed on it. Im at my wits end.

Company response to consumer: Closed with explanation