BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Thank you for taking the time to read this. 

I had an account opened over 5 years ago ending in XXXX and another one I had around the same time. This account was for about $ XXXX the other one about {$350.00} which I closed because I was just using this account. 

I am an XXXX best seller the name is dolce crafts you can find me there and see what I sell, my season its usually XXXX to XXXX, where I will buy everything I need in my credit card and pay right away, I have the cash but I use the card for security. 

I did that for 2020 and the year before, my card is used usually to the maximum but I pay right away too. 

I opened a checking account with XXXXXXXX XXXX  account and I send the payment to capital one which kept being taken away from my account and returned by capital one. They did this three times and closed my account for fraudulent activity. I spoke to both banks XXXX told me they have the money and didnt know why the capital one returned it. 

I called the bank and they just basically told me that my account was closed for fraudulent activity, with no explanation at all and nothing I could do. I was a customer for over 5 years and because of this they just closed my account. My account is in $ XXXX because it got paid before being closed. 

Than I opened a new account because I needed a credit card, this week they did the same so I tried to open a checking account and they denied it for the same reason. I was trying to just have checking account with them but I guess because of the same reason now I cant and now Im fed up. Because I havent done anything other then paying in time like I will be able to show you in the attachments. 

I think this is a really bad way of doing business. 
Attached is also my 1099T from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: IN
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 been disputing with the 3 major credit bureau since XXXX last year I have told them numerous times that I am a victim of identity theft. Experian is the only bureau that will not remove these collections from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been contacted with both FTC and police report and asked them to cease all reporting and collection immediately and they still are reporting fraudulent collections to my experian credit report.XXXX and XXXX  has already removed and ceased all reporting and collections of these two fraudulent accounts from my credit report. I have spoke to fraud department through experian, they have all of my information as well as the FTC and police report concerning identity theft. I am making a complaint and these accounts need to be immediately removed from the experian account. I have asked for debt validations from the companies and they have no actual proof of anything. I have no court documents because these account does not 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 non-monetary relief
Consumer complaint received 2019-10-21
Company: MoneyLion Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I opened this account around XX/XX/2018 when i first started payments were going well until my checking account was closed. After my checking account closed moneylion reported a late payment. I tried changing my payment methods online there no way too. I called no answer. I kept on trying to make contact for months i even sent in a letter by mail with new payment details and no answer. I sent a check by mail balance unchanged. They recently liquidated my investment account thats part of the moneylion membership/loan and they said i would just pay {$63.00}. Ive tried contacting to pay this amount and after numerous tries i got on the phone after waiting 2 hours and they told me i had to wait 60 days to pay off the rest that they would contact me themselves. Which is absurd theyre charging interest and just scamming and they said theres no way to change payment method and pay off loan now they want to make interest and falsely report to credit. Ive looked them up and a lot of people are saying they got scammed as well. I am looking for lawyers to help me and i want this removed completely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Automatic Data Processing, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have called them over 10 times today trying to get a hold of the dispute center and each time Im transferred to another customer care rep. And after the 4th time being transferred Im disconnected. ADP Cardholder services has been by far the worst service I ever experienced this will be my 3rd card in a 8 month period. This will be the 2nd time my card was hack and this time over {$1000.00} was transferred out of my account without my permission or without notice from ADP.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: TX
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 XXXX # XXXX, has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

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

15 USC 166B : A creditor may not treat a payment on a credit card account number an open-end consumer credit plan as late for and purpose.

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 2016-04-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was told the other day during a credit inquiry about a negative report from XXXX that I think is incorrect. I went directly to XXXX, but of course they want to charge me money. Instead I used XXXX and submitted my info. I selected that I wanted all three reports, but once I hit enter- I was automatically sent only to Equifax where I filed my dispute. When I tried to return to access the XXXX site, I had to completely start over with filling in my info at XXXX. THis time I specified that I only wanted to go to XXXX but once I reached the site and filled in my info AGAIN, they were having 'technical difficulties ' an were unable to process my request. Okay- so I went back to XXXX and this time I filled in my husband 's info so I could go back to Equifax and dispute the exact same incorrect info on his report. I selected only Equifax for a report, but once I got there, they said they were unable to fulfill the request and that he would have to download a form and mail in the request. I know they are trying to make it difficult so we 'll pay to get the exact same information that they are required to provide FOR FREE. 
Another way I know they are trying to make it difficult : When I did manage to file the ONE dispute with Equifax , they provided XXXX characters for comments about the dispute. First off XXXX characters is way too few and they DID N'T ALLOW SPACES! When I tried to hit submit I had an error message that said 'only use allowable characters XXXX,? -. ' I edited my comment to ensure I only used those characters ; SAME ERROR MESSAGE three times. I finally tried removing all spaces from the comment, but I ca n't imagine lots of people would be so determined. They WANT US TO FAIL! In no way did the error message advise me not to use the space bar when typing my comment, but it tripped an error anyway. Only when I removed all spaces would the disputed claim be allowed. 
It 's not about the money- I could go through the trouble of signing up and then cancelling a subscription service, but it 's the ABUSE of POWER that burns me up!!

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: 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:
Over the past several months I have been going back and forth with all three of the major consumer reporting agencies through direct mail and via phone regarding items appearing on my credit file. I have sent dispute letters along with other correspondence in regards to my identity being compromised which ultimately has lead to fraudulent accounts being created under my name. It has been over 30 days of my most recent dispute which included an identity theft report from the Federal Trade Commission. The FTC Report included some of the accounts in question due to being established through identity theft. I also requested that several fraudulent addresses or other personal information to be removed from my credit file which neither has been updated. I am aware the Credit Bureaus have 30 Days to investigate and most remove disputed fraudulent items if accurate verification can not be completed. At this point my consumer rights have been violated under the Fair Credit Reporting Act Section 605b, 609, and 611 and Equifax has not provided me with any type of documentation supporting anything. I am also aware of the automated data furnisher or e-Oscar verification pacer system which is not considered accurate verification when it comes to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Diversified Adjustment Service, Inc.
State: IN
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 been disputing with the 3 major credit bureau since XXXX last year I have told them numerous times that I am a victim of identity theft. XXXX is the only bureau that will not remove these collections from my credit report. Diversified adjustment and XXXX XXXX XXXX XXXX  have been contacted with both FTC and police report and asked them to cease all reporting and collection immediately and they still are reporting fraudulent collections to my experian credit report.XXXX and XXXX has already removed and ceased all reporting and collections of these two fraudulent accounts from my credit report. I have spoke to fraud department through XXXX, they have all of my information as well as the FTC and police report concerning identity theft. I am making a complaint and these accounts need to be immediately removed from the XXXX  account. I have asked for debt validations from the companies and they have no actual proof of anything. I have no court documents because these account does not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Continental Finance Company, LLC
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX/XXXX/2016, I mailed a cashier 's check in the amount of {$520.00} to Continental Finance to payoff the balance of a credit card account. Also, on XXXX/XXXX/2016, within the same correspondence, I requested that the issuer close my account and send verification that the account has been closed. This has yet to occur. 

On XXXX/XXXX/2016, I sent another letter to the credit card issuer requesting closure of my account, and as of XXXX/XXXX/2016 the account is still open. I do not understand why this bank refuses to close my account.

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/XXXX, my credit score is dropping suddenly without any reasons! Ive pay my credit card on time and set up automatic payments! They have never mentioned that why my score is dropping!

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 2021-08-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have an account on Paypal since like XXXX  for buying and occasionally selling legally No chargeback, complaints or whatsoever My account was verified by them and abide the laws or policy but then XX/XX/XXXX I got an email that my account is permanently limited without any reasonsMy paypal account is very helpful as attached some subscriptions payments that can enlighten or entertain my daughter and family during this pandemic..Please see attached photos that I never had any case opened since I use paypal and no other suspicious activity..It is not fair that paypal just shut down the account without any violations.. 

Paypal email account : XXXX Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
On XXXX XXXX, 2015, I had proceeds from a debt consolidation loan issued to Macys to pay off an outstanding balance. On XXXX XXXX, the check was deposited by Citibank ( the owner of Macys store credit card portfolio ) and cleared my credit union which funded the loan on XXXX XXXX. 
The funds were never applied to my credit account and I can not get anyone from Macys or Citibank to respond to my emails. Their customer service is HORRIBLE and they simply seem to not care or push the issue off to another department claiming that someone will email me back in 3-5 business days. That timeframe has come and gone. I 've also tried calling their customer service number but consistently get transferred to an automated system that does n't allow me to resolve my issue. 
I did notice on the check that the credit union listed the last XXXX digits of this account number that appeared on my credit report they had pulled ( XXXX ). The card for this account was last a few months back so a new card was issued ended in ( XXXX ). Both accounts are tied to my name, address, phone number and SSN though and the XXXX account was simply transferred to XXXX so I 'm not sure if there was any confusion that Macys did not attempt to contact me before cashing the check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24
Company: SYNCHRONY FINANCIAL
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I tried to pay the entire loan balance of {$110.00}, I gave the phone rep my credit union routing number and account number on XX/XX/2021. I received an email saying the payment was made. The money was never taken from my credit union checking account and the confirmation code for the payment was XXXX. 

They NEVER processed my payment even the email said they did. I quote the email : Hello, XXXX XXXX PayPal Credit You paid {$110.00} Here are the details Amount paid {$110.00} Paid on XX/XX/2021 PayPal Credit account ending in XXXX Your payment has been applied to your PayPal Credit account balance. 


I have repeatedly tried to contact this company. I constantly get technical errors. I quote : Sorry, there was a technical error. Please try again later. 
Return to PayPal

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 2022-07-08
Company: EQUIFAX, INC.
State: TX
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:
FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record unti FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$210000.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$640.00} Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: CITIBANK, N.A.
State: OK
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 X/XX/2016 cbna did a hard inquiry and I have no idea why they did it or who they are.

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 2017-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX/XXXX/17 -- Called Bank of America ( after receiving MANY calls -- -at least 3x per day and a letter in the mail ) to negotiate the debt I owed. Told the customer service agent that I only wanted to be contacted via written communication and no more calls. They wanted to negotiate MY debt based on my fiance 's income which I said no. They pushed for me to provide information on his social security number as well as income. I still said no. They sent my call to an agency that works to negotiate debts down and I had to speak to them even though I did n't want to. I declined their offer also. Since that call I have received COUNTLESS calls per day from Bank of America including voicemails. The two most recent have been XXXX XXXX at XXXX ( voicemail left ) as well as XXXX XXXX at XXXX ( voicemail left ). They also call at inconvenient hours which are disruptive to my life.

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 2021-08-24
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: Personal information incorrect

Complaint:
XXXX XXXX, I WAS DENIED FOR CREDIT CARD I READ THE DECISION WAS BASED ON AND BY ALL THREE MAJOR CREDIT BUREAUS AND ANOTHER CREDIT BUREAU NAME XXXX XXXX XXXX XXXX ( WHAT IS THIS XXXX XXXX XXXX XXXX. I THINK THAT COULD BE THE COMPANY THAT HAS ALL MY CREDIT IN RED THAT WAS PART OF THE BANKRUPTCY THAT IS DEROGATORY COMMENTS OF BEING 14 LATE PAYMENTS ON CREDIT CARDS THAT ARE NO LONGER MY RESPONSIBILITY SINCE MY DISCHARGE IS IN 3YRS COUNTING DOWN FROM THE BANKRUPTCY CHAPTER XXXX. CAN SOMEONE LOOK INTO THIS SINCE I AM PLACING MY ADDITIONAL COMPLAINT CURRENTLY XXXX  XXXX DENIED ME BASE OF XXXX, TRANSUNION, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
BASED ON DELINQUENCY AND DEROGATORY PUCLIC RECORD OR COLLECTION FILED BALANCE CREDIT LIMIT TOO HIGH LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED NUMBER OF INQUIRIES BY XXXX, HOW CAN THIS BE I ONLY HAVE BANKRUPTCY, NOTHING LATE AND SHOULD NOT HAVE ANY NEGATIVE MARKINGS, NOR COMMENTS. 

THAN THE FRONT OF THE LETTER BY XXXX  XXXX IN ADDITION TO THE ABOVE REASONS ALSO STATES : bASED ON YOUR CREDIT REPORT FROM ONE OR MORE OF THE AGENCIES ON THE BACK OF THIS LETTER, CREDIT BUREAU INFORMATION IS UNAVAILABLE BECAUSE THE APPLICANT WAS DETERMINED TO BE A MINOR?? BY THE CREDIT BUREAUS?? I NEED CFPB TO LOOK INTO THIS WHAT IS GOING ON I CAN NOT BELIEVE HOW MUCH TIME AND YEARS I KEEP HAVING NEGATIVE COMMENTS AND ALL THE CREDIT BUREAUS CONTINUE TO NEVER BE ON THE SAM UPDATES OF PAGE. ALSO XXXX OR XXXX HAVE MY NAME AS XXXX XXXX XXXX WHEN I LOOK ON LINE VIA THE XXXX XXXX., MY NAME IS XXXX XXXX THAT IS IT! XXXX I SENT IN SO MUCH AND CALLED AND SPOKE TO MANY TO PLEASE CORRECT MY NAME ON EACH CREDIT BUREAU EVEN THE XXXX XXXX WHICH I NEED TO KNOW MORE ABOUT THIS AND WHY THIS APPEARS ON AND OFF MY CREDIT REPORTS. THIS IS WRONG.. THAT IS WHY I HAVE SO MANY INQUIRIES THIS IS WHY I KEEP APPLYING AND WONDERING THE DENIALS ARE SOME WHAT THE SAME REASONS, BUT THAN I GET ANOTHER DIFFERENT REASON? THAN I HAVE TO ASK WHY.. PLEASE I AM FIGHTING TO KEEP MY CREDIT CLEAN, THIS IS NOT RIGHT!

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 2022-07-08
Company: Early Warning Services, LLC
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was scammed on Zelle for {$1100.00} on XX/XX/2022 trying to purchase merchandise off a seller on XXXX  and I was told I can not be helped by XXXX because Zelle is third party and the funds are claimed I dont get how hard it is as Zelle is ELECTRONIC and should be traced. I had sent XXXX then increments of XXXX throughout the next days to 2 different Zelle emails the seller told me XXXX and XXXX. I was told I can only file a police report or deal with it between me and the person, but I dont know the seller. I dont understand how they can not track the money because it is all electronic. I have message proof of the seller scamming me and telling me to Zelle him.

Company response to consumer: Closed with explanation