BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Capital One sent me an email to inform me that the benefits with my cards such as Price Protection and other things were ending in XXXX. I have three cards with them and really only wanted to keep my longest-held card because of the effects of my credit score. I was very specific with the person I spoke to. I asked her about other cards if it was possible to transfer to a different card keeping to the original card opening date, I asked her the different annual maintenance fees, she said this was due in XXXX. It was at this point after she had read me the disclosure about closed accounts not being able to be re-opened that I said, close the other two but leave this one open for now. I know that if your agency listened to the recorded call you would clearly, with absolutely no mistake see that this is the exact opposite of what I asked to be done. I feel they won't reopen it because when they listen to the call they will see that I don't intend to use it much because of the lack of benefits. And, I don't trust them now after this. I told her to close the two smaller ones that I hadn't had long and to absolutely leave open the largest that I have had since 2014. Ending in XXXX. We went over all three cards and I was very clear. 

XXXX my surprise when I went to use it only a day later and it was denied. I went to the online site to find that she closed that account and left the other two open. There is no way she could have misunderstood me. I feel she did it on purpose. I am very very angry. My credit score is around 800. I have worked very hard to get it there and I already received notice from XXXX XXXX that it has a big impact. I contacted Capital One and I told them to listen to the recording. I however don't feel that they will do the right thing. I haven't had a balance on any of the cards in about 1 year or so. I pay my cards off in full each month and mostly use my XXXX XXXX and XXXX XXXX. I was wanting to find a card with price protection and also purchase protection as I was just stolen from and after at least 20 emails and phone calls back and forth with XXXX they still messed that up. 

If Capital One in any way has affected my credit score what can be done. Again, I am very angry and they tell me they won't even be able to have an answer for at least 10 business days. By then, the damage will be done. This to me is next to criminal. They are playing with my future and it is wrong and again. I am very very angry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27
Company: ID Analytics, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have attempted to obtain my consumer report from this company on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX via facsimile at XXXX. My official document of a Driver 's License under category XXXX as implemented by XXXX meets all of the requirements. It has my current address/name and identifying information. However, they purportedly have DENIED my request twice for a consumer report. My Driver 's License has been copied at 130 % resolution which is more than satisfactory. I have even included a scanned copy to this complaint filed with the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2020 Comenity Bank via my XXXX XXXX XXXX charged me the deferred interest on a 12 month promotional financing plan at the conclusion of my 12 month cycle. The billing cycle payment date was XX/XX/2020. I have multiple store cards that have promotional financing that syncs the payment date with the expiration of the promo financing. Comenity Bank sticks the expiration in the middle of your payment cycle so that if you're on autopayment you'll miss the expiration and end up having to pay the deferred interest charge. This seems like it's on purpose. We paid our bill on time every money ( splitting the balance across 12 months ). I phoned Comenity through XXXX XXXX and asked for the reversal of the finance charge of {$160.00} as we were only 7 days late ( difference between the promo end date and the payment due date of the card ). I spoke with a supervisor and was told that they will not do a courtesy reversal. This is an obvious attempt to mislead credit card users by not lining up the promo expiration date with the final payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Social Finance, Inc.
State: IN
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 don't have an account I got emails stating my debit card has been frozen but I don't have an account and never applied for one this is the email address it came from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown on my credit report. I feel like I am being taken advantage of and being ignored by my disputes. Concerning a car that I purchased at XXXX XXXX XXXX  a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with VIN : XXXX, Financed by XXXX XXXX XXXXor amount de {$30000.00} for a period of 72 months, payment {$52000.00} per month. 

Unfortunately, the car is defective. The car differed from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on Highway at XXXX miles, I received a noise Bing Bing Bing. There is something rubbing inside the steering wheel that spreads all around the steering wheel. 

To resolve the problem, I returned the Car at XXXX XXXX Dealer On Sunday XX/XX/XXXX. I would like to replace the car with a new one that's not defective. I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX XXXX to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX One 's given to me an appointment is for one month. I called the dealer, I look forward to his reply and a resolution to my problem, and will wait until XX/XX/XXXX. Effectively, the car was returned to the dealer on XX/XX/XXXX. I cancelled the insurance ( XXXX ). As XXXX XXXX XXXX gave me the XXXX license plate, XXXX XXXX XXXX XXXXold me they will return the license plate to DMV. I called the XXXX XXXX Bank that the car is returned and is in the hands of the dealer. The dealer never returned the license plate to XXXX New York.

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 2022-04-29
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Last year I purchased a vehicle from XXXX XXXX. I found a vehicle of my interest and selected a XXXX XXXX XXXX XXXX. I placed a {$8500.00} cash down payment up front. As I read over my document today XX/XX/XXXX I noticed that it says the total cost of your purchase on credit, including your down payment of {$8500.00} I did not pay with credit I payed with % XXXX cash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In early XXXX, my husband and I began to investigate items on our credit reports. After seeing many strange items on our report - we went to the credit bureaus to initiate an investigation. Shortly after submitting a request for verification - We received a response from this RMP company in regards to XXXX derogatory items on my credit report. Unfamiliar with the information that they sent me, and since I now had the contact information for the debt collector themselves.. i sent a letter ( attached ) to the creditor asking for further verification. When i asked for further verification to the collection company as to what this was and to verify that this belonged to me ... their response was that they were not required to verify twice. I am incredibly confused by the information that has been submitted to me and do not see how in any way this verifies that the debt was mine. I have been making payments on things that i have had in collections, attempting to do the right thing, but after further evaluation we have realized that we are paying on things that we thought were taken care of already, are old, or just are n't ours, and we are trying to figure it all out so that we can do the right thing. The paper trail does not make sense, and with the lack of and vague responses from the debt collector i am not confident that what is provided is accurate. RMP 's dismissal of my additional attempts to verify a debt that IS NOT MINE is unlawful. This item needs to be deleted by this debt collector as no further verification has been provided that this debt is in fact mine. RMP is being very suspicious in its collection of my debt in ignoring my request for additional verification and is not following the appropriate laws for assuring this debt is mine. It is unforgivable to not provide further information when requested. From my recollection of going to any doctors appointment, my id is scanned - both my id and my insurance card. RMP should be able to provide this at the bare minimum if this is truly mine. If this is not possible, some other form of validation needs to be provided- something with my signature at the least. This is hurting my score and causing my credit limits to be reduced on other accounts. I am very angry and upset with the amount of time this is taking. I should not have to work so hard to have something verified accurately. I genuinely am not sure this item is mine, and am asking you to verify this. I am frustrated that companies are still able to do so little and provide such little information while creating such a great amount of damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: NC
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:
Experiam sent me to you! They said apply my ticket number and wait for a call Report Number 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 2021-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was scammed out of my money and the bank did nothing told me since i sent it i couldnt recieve the refund of course i did because i thought i was making a investment only to find out i was being scammed or phishing how can i trust the banks protection policy if i cant recieve the stolen money from a scammer RIDICULOUS!!!

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 2022-04-29
Company: Experian Information Solutions Inc.
State: IL
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 has violated my rights. Under 15 U.S.C 1681 section 602 A.States i have the right to privacy.it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: IL
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 has violated my rights. Under 15 U.S.C 1681 section 602 A.States i have the right to privacy.it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like the removal of fraud alerts

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 2021-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/2018 Balance : 507 Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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 believe in fact im bery sure that my ex wife XXXX XXXX is the one is doing all this hard inquiries even she took Auto loan as it shows in my credit report, i am a US vetran and working since 2005 in XXXX armed forces. 

Also i would like from the three major credit companies to lock my account for future credit inquiries

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 2019-07-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 I made a payment in the amount of {$31000.00} into an account called XXXX XXXX XXXX, XXXX, who banks with Wells Fargo. The account/routing numbers : Acct : XXXX ; Routing : XXXX - Bank Address : XXXX XXXX, XXXX, TX XXXX : Beneficiary address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, From my bank, XXXX XXXXXXXX XXXX. I have an email from my bank saying that the transfer was successful, however, the receiver said they never received the money. I called Wells Fargo, and of course they wouldn't talk to me. I called my bank, they sent Wells Fargo an electronic bank to bank message requesting them to please verify that the funds were received. After I believe 2 messages, I called my bank and requested that they start the process of having Wells Fargo of return the {$31000.00}. Every three ( 3 )  days XXXX XXXX XXXX sends a message, and every time I call, they have received nothing back from the bank. Wells Fargo already got into trouble creating accounts in the names of their customers, without their knowledge, and here they are playing some game again! Since they can not verify that they received the money, I want my {$31000.00} back. I am not waiting for them to finally decide to respond. I want them to return my {$31000.00}! This has been going on since at least the XXXX of XXXX. It's going on two months. 
Thank you, 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 2019-07-17
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
barclay credit card company allowed an automatic renewal charge to be placed on an inactivated credit card in XXXX XXXX the credit card had been inactive since XXXX XXXX. they subsequently charged me over {$45.00} in late fees and reported my account to the credit reporting agencies, thus decreasing my excellent credit score.

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 2018-09-25
Company: HW Holding, Inc
State: DC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back onXX/XX/2017 i submitted a complaint with CFPB in regards to my the invalid debt of the account associated with Hunter Warfield. They corrected the debt owed reporting to the 3 credit bureaus. As of today, they are incorporating interest on a debt that has a firm amount owed in which it is XXXX. The other account with XXXX XXXX is currently at {$830.00}, which is still stating I owe {$1000.00}, which is being reported. I came to a monthly agreement on a 24 month payment plan in the amount of XXXX, until debt is satisfied.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX has continued to illegally compel me to make payments on the account number XXXX that was included in my XX/XX/2009 XXXX XXXX Bankruptcy discharge/disposition. It is illegal for a creditor to knowingly induce a former debtor to pay a debt that has been discharged and continue to house the account with the credit bureaus, impacting my ability to attain any measurable financing for my upward mobility in the interests of my family. 

XXXX must cease and desist from further request for me to pay the debt and must remove it from my credit record and contact all the Credit Bureaus and request its removal from my credit profile with deliberate speed. 

Sincerely! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Your offices have reported invalidated information to one or all of the 3 major Credit Bureaus ( Equifax, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative or adverse marks are such as ( late payments, collections, charge offs, inquiries etc ) are found on any of my credit reports by your company or any of the companies that you represent I will not hesitate in bringing legal action against you with the FTC as well as any other relevant government agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character copied from affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: CHARLES SCHWAB CORPORATION, THE
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Charles Schwab has put a hold on my checking account since mid XXXX. I've called 5 times and they just say the account is on hold for security reasons with no other information. I've verified all the information they've asked. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Informative Research
State: NV
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:
this inquiry to my credit report was not authorized and i want this to be deleted.

Company response to consumer: Closed with explanation