BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My payment for XXXX XXXX was suspended. I am not really sure when this happened but i submitted documents on XX/XX/2021 to verify myself in the form of an ID and they told me that it would take two days to review. My account has not been unlocked. I got an email on XX/XX/2021 requesting information regarding a card i had added in the name of XXXX XXXX, who is my father. They requested their full legal name and address, which is what I input when i added the card to XXXX XXXX. They also have the same address as i do. I added their card because my dad wanted to pay for lunch and i ordered some delivery. I am unable to pay for my subscriptions as they are all made through XXXX XXXX. 

Attached is my bank statement and my dad 's to evidence that we know and live together. I would also like to note that the card that was added was their EIP Visa card that he received his stimulus payment to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Balance transfer

Complaint:
I received a credit card offer in the mail and I went online to apply. The application also had a space to enter balance transfers. I put in XXXX cards info. After completing all I got was I will be a response in the mail. When I received my card there was NOTHING saying anything about the transfers I entered.Searching the letter with my credit card attached, I ca n't find what credit limit they gave me. When I see that it 's XXXX which would not cover both transfers after realizing the transfer fees would put me over my limit. They had enough information to know what limit I needed. I had no clue that the info on my card was being processed as I thought it was part of the application to determine eligibility and limit. I called after receiving the card and asked that only XXXX of the cards be transferred. I gave all the info to process my highest interest card.A couple of days later I emailed asking why the transfer was not showing up. It took 3 days to finally get a human on the phone. I was asking about the transfer I called in. I was told it was request the transfer was being sent to my house.?? I asked her what a balance transfer was and she told me then I asked then why and what part of the transfer was being sent to my home. She was not making any sense. After that I talked with a VERY rude guy named XXXX. He said the transfer I called in was no good and would not be processed. He kept going through their legal jumble about it takes 2-4 weeks to process.I have done transfers before and they only take a1-2 days.I gave him the info and sure enough it was done in less that 48 hours my cc was paid. BUT XXXX giving me wrong info told me to keep making payments, so I made the payment the same daY to make sure it was paid. This caused 2 payments to go thru and I now overpaid the bank. In the mean time the 2nd transfer I put on the app gets processed with out my knowledge and forces me to be over my credit limit. 
They intentionally give false and misleading info and failed to give me enough credit to cover the transfers I put on the app. I do not find this out untill after it 's done and too late.I tried to get them to cancel the 2nd transfer but they refused. In my opinion they have committed fraud. The charges have put me over my credit limit and subject to penalties which include loosing the zero % offer that I signed up for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: EQUIFAX, INC.
State: TN
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 have previously disputed these unverified accounts with all 3 credit bureaus.. XXXX   and XXXX  deleted the accounts from my report.Equifax continues to erroneously report these accounts.I have provided clear supporting documents to the fact.I want the erroneous accounts Deleted immediately. 

Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. These are the accounts I demand removal Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I don't owe anything to ERC with account number XXXX. They should have confirmed this from the Original Creditor ( XXXX XXXX  ) since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have submitted disputes to you guys and have not received a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.

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 2020-10-06
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: Card was charged for something you did not purchase with the card

Complaint:
I had 2 purchases from XXXX that were reported as fraud. XX/XX/XXXX for {$600.00} & XX/XX/XXXX for {$11.00}. I did not authorize either purchase and had possession of my card. When I discovered it I reported it as fraud and an investigation was opened. I was given a credit back for these charges while the investigation took place. On XX/XX/XXXX the {$600.00} was charged back to my credit card and on XX/XX/XXXX {$11.00} was charged back. This is of course a new card as my old card was shut off due to the reporting of this fraud. After talking with Capital One they state there is nothing they can do as they show the purchases were 'authorized '' even though I keep telling them they were not. I talked with " XXXX '' in the Fraud Dept who said she was the " highest up '' person I could speak with. When I asked for her information/ extension she dismissed my request. The call occurred XX/XX/XXXX @ approx XXXX PST to XXXX. My email and phone were hacked on XX/XX/XXXX and I have had my IT person trying to clean it up ever since. I have called XXXX and they told me that an account was opened using my information on XX/XX/XXXX so I cancelled it. On our around the middle of XXXX I received a microphone from USPS in my office. I assumed this was part of the fraud and reported it to the USPS in the form of a fraud complaint. I still have the package as USPS asked me to keep it in case they needed it for their investigation. After taking to the Rep at XXXX, XXXX, he is sending a label to mail t he piece back. This call was placed @ XXXX PST to XXXX. This item was the charge for {$11.00}. I will take a picture of the item before I send it back. The paperwork inside the package is attached. When I called the number is sounded like a scam recording so I did not dare log onto the web address. I kept this paperwork as instructed by USPS. Apparently the {$600.00} charge was for something you download for XXXX  which I have never had being a XXXX year old woman. Because Cap One is indifferent to my fraud claim I will now file a Police Report with the XXXX Police Department. I also reported this to the XXXX  when it occurred, see attachments. The information listed on the original charge was below, a disconnected number when you call it. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Merchant Website

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a victim of identity fraud since 2011. 
First National Collections Bureau Inc. is representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Is not my account need to be removed thank you

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 2022-07-12
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased this home in XXXX of XXXX from my father at well below the market value. I obtained the mortgage through Huntington Bank. Unfortunately because I didn't have a big enough down payment I still was charged PMI. 

Currently I believe the value of the property is approximately {$220000.00} and I owe {$94000.00}. I feel the LTV is at 44 %. 

I contacted Huntington bank and made the formal request to have PMI removed and received the attached denial letter stating there isn't enough evidence that the value of the property had not declined below it's original value. I am willing to pay for a drive by appraisal. So I called the customer service and they told me to call the department dealing with PMI. I called 3 times and gotten a voicemail. I've left multiple messages and no one has even returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt collector placed negative information on my credit report without notifying me. Furthermore, since this debt collector has not validated that they are legally entitled to collect the debts they have listed, they are RE-AGING accounts listed on my credit reports in an effort to keep them there longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery has been contacting me every day and sometimes XXXX a day for over a year to collect a debt that belongs to my son. My son does not live in the same state and I have no contact with him. I have told them this, but they keep calling. Can I stop this harassment. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: WI
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 Acct # XXXX, XXXX XXXX Acct # XXXX, US DEPT ED Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, US DEPT ED Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX Acct # 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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 Acct # XXXX, XXXX XXXX  Acct # XXXX, US DEPT ED Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, US DEPT ED Acct # XXXXXXXX XXXX Acct XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXXXXXX XXXX XXXXXXXX Acct # 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 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 2022-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
We have open the following debit card for our company XXXX XXXX XXXX XXXX XXXX XXXX less than 3 years ago ( Bank of America small business XXXX Exp XX/XX/XXXX XXXX ) We were very specific at the moment to not authorize any transaction over the lowest balance. well the problem happened during the first year, we called customer serviced and they supposedly fixed it ( again we were very specific to request that transactions over the limit not to be authorized ), then covid started and we got so busy that couldn't check our statements regularly but when we did we found more overdraft fees charged, We filed a complaint with the XXXX XXXX XXXX and the problem still persist, on a closer look to our statement we can't tell their software is or has been failing ( pictured attached ) right now this account has a negative balance all caused by the overdraft fees. once again Could you please stop authorizing transactions if there's not enough balance? Could you please provide refund for all the overdraft fee transactions? 

Here is a list : XX/XX/XXXX Over draft fee {$35.00} ( 3x ) XX/XX/XXXX Over draft fee {$35.00} ( 4x ) XX/XX/XXXX Over draft fee {$35.00} ( 2x ) XX/XX/XXXX Over draft fee {$35.00} ( 2x ) XX/XX/XXXX Over draft fee {$35.00} ( 3x ) XX/XX/XXXX Over draft fee {$35.00} ( 2x ) XX/XX/XXXX Over draft fee {$35.00} ( 4x ) XX/XX/XXXX Over draft fee {$35.00} ( 2x ) XX/XX/XXXX Over draft fee {$35.00} ( 2x ) The total amount just from XXXX and this short part of XXXX is {$1000.00} It is abusive.

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 2015-06-04
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In the XX/XX/XXXX I found out about identity theft on my credit report while going through a car loan process with my bank. I have been working closely with Experian and have filed a report with the FTC, the Police Department, as well as with every incorrect collector on my credit report. The person who stole my identity had access to my information including drivers license, signature, addresses, and social security number. It has been documented all all reports that they had used both my name as well as a " AKA '' which has since XX/XX/XXXX. Some names and accounts been removed from my report since starting to fight this almost a month ago. 

While a few creditors have already given me notice that they 've removed their information from my reports XXXX companies have proven to be rather difficult. I will write a separate complaint for the other. The XXXX one called Allied Services has missed their 30-day window of validating the debit on my account. I sent them a certified signature and required letter, which I received confirmation that it was received XX/XX/XXXX. 

On XX/XX/XXXX I sent them a follow up certified and signature required letter informing them that they failed to validate the debit within the 30 days. I also informed them the account needed to be removed from my credit report in a reasonable time frame. 

Today, XX/XX/XXXX I received a phone call from Allied Services XXXX insisting that I contact them. This has prompted me to file my complaint. I specifically requested in my XXXX letter that all correspondence must be done in writing and that there I requested that no calls be made to my work or residence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection agency inquires on my credit report without permissible purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is reporting inaccurate information on my credit file. I have disputed this several times with them over the last 2 years, however they are still reporting incorrect information. They are reporting the incorrect date on my credit file. The below account went delinquent on XXXX XXXX, XXXX and they are reporting the date of XXXX/XXXX/XXXX which is illegal. This account should have been deleted from my credit file. I have attached supporting documents that this account is incorrect and needs to be deleted from my file. 
XXXX XXXX Balance {$1200.00} Date Opened 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 2022-06-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made an international wire transfer ( XXXX euro ) with Chase on XX/XX/XXXX, and it says the transaction was completed on XX/XX/XXXX. However, it never arrives at another account. 

On XX/XX/XXXX, I called them and informed them I made a wire transfer, but the other party didnt receive it. 

On XX/XX/XXXX, I sent a secured message, and they were saying they would investigate and help me to recall my funds On XX/XX/XXXX, I went to Bank, and reported my situation, Im hoping everything could sort it out. 

But still, I didnt hear anything from anyone. 
I only want to know where is this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello! 
I accidentally sent money to the wrong person on Venmo on XXXX in the amount of {$1300.00}. 
Venmo tells me there is nothing they can do and that's it. 
The person gets to keep the money. 
I can not believe that they can not do anything and Venmo is not responding to any of my requests for inquiry. 
I have contacted the person I sent the money to on several occasions and and they are not responding. 
What do I do now? They are not assisting in any way. 
Any help would be greatly appreciated! 
Thank you, XXXX XXXX : XXXX XXXX Request for inquiry # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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: Account information incorrect

Complaint:
During the height of the pandemic in XXXX of 2020, I was evicted in Arizona, this in violation of the rent and utility moratorium. The utility moratorium was in full effect, despite this, during XXXX of 2020 XXXX  XXXX XXXX turned over for collection utilities owed ( despite them being in a place of moratorium ) to XXXX XXXX XXXX, a debt collection company. This company is incorrectly purporting that I owe a debt. However, XXXX never tried to reconcile this debt directly with me. Also, the utility was placed in moratorium at the time. Therefore they violated the order in place by the Governor. This needs to be removed from credit reporting agency and returned to XXXX.

Company response to consumer: Closed with explanation