BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
Company: BOC LLC
State: GA
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 received a text on my phone in reference to my free XXXX trial was active and they were going to draft my card for a monthly fee on the XXXX of XXXX. So I reached out to a so called XXXX number at XXXX, and they act as if they were XXXX and they logged into my XXXX account without my consent, and I was able to see my account with all of my debit cards info. Then they needed to do a few things to verify me, so it sounded suspect, and I ask why did all this need to be done to cancel a simple subscriptions, he told me some lame stuff like all this had to be done for the first time to make sure all my info was not used. So he logged into my phone app, and he as which card usually pay for thing with on XXXX, and I told him because my XXXX account was open on my screen. Then he asked for my full debit card number and I did verified that and he kept asking me to logged into my bank account from my phone and told him I will not never do that. Then I start to questions why was this taking so long to complete a simple task and he kept saying it needed to be done one time only. Then he ask me to go to play store and add a pay app for verification and I did, and then afterward I got real suspect, and he told me that there were going to be a transaction on my account that was gon na be debit and credit back. They also asked to up load a picture of front and back of DL as part of verification. Then he said log into your account and I did on my pc, and two entries were taken out. So I told him I did not authorize him to do any transactions on my account and that I was gon na call my bank fraud department, which I did, and cancel the transactions and the debit card. But he kept saying that it would be credit right back, but did not explain why the transactions was needed to verify my XXXX account. So I have reach out to XXXX, and the XXXX company that I did downloaded to my phone for the fraud transaction to let them know these debit entries should have never taken place. I was told that these were needed to verify my debit card with XXXX. I also told them that my bank fraud will be contacting them as well on these unauthorize transaction.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was notified of a refund from a medical clinic/institution and upon checking the details, it was brought to my attention that it was refunded to a debit card that was tied to a checking account that I had closed the year prior. I called the banking institution that the debit card was tied to and was reassured that if the account was closed, the refund would have been refused on my behalf and I was instructed to connect with the issuer of the refund. I reached out to the medical clinic and was put in touch with the finance department who informed me that the three refunds I was inquiring about, one that was refunded XX/XX/XXXX for {$210.00}, another on XX/XX/XXXX for {$220.00} and the third refunded on XX/XX/XXXX for {$130.00}, were showing in their system as accepted by the bank the refunds were sent to. The finance department provided me with screenshots of the what their system showed and I was able to confirm the account that the refunds were sent to was tied to my previous debit card along with the IDs of the transactions. With the IDs of the transactions, I called my previous banking institution again and provided the IDs for them to verify. I was told again that they had no record of those refunds on my account and was reassured that if my account was closed they would have rejected the deposits on my behalf. I reached out to the finance department again of the medical clinic and was told that since their system was showing it as accepted by the recipient of the refund there wasn't any thing further they could do for me. My previous banking institution continues to deny that the deposits were received and accepted. So, there is a total sum of {$570.00} that is unaccounted for that I have still yet to receive.

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 2018-03-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In last two months I tried to make online payments with Wells Fargo and select a date to send the payment. The calendar appears but the website will not allow you to select a date other than the day you are on the website. It seems like they are forcing you to make the payment at that time with no choice of the payment date.

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 2020-11-01
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have made the same number of PSLF eligible payments -- 38 -- on both of my loans. However, on loan sequence 1, FedLoan Servicing indicates that I have made only 28 eligible payments. 10 payments, made between XX/XX/XXXX and XX/XX/XXXX ( inclusive ), are reflected as ineligible payments for loan sequence 1 but eligible for loan sequence 2, even though payments were made for the full amount due on both loans on the same date each month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24
Company: EQUIFAX, INC.
State: NJ
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:
I would like a written authorized signature stating I authorized these inquiries if they can not provide the documentation I would like it removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Maximus Education, LLC dba Aidvantage
State: MN
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:
On XX/XX/2022, I received a credit alert from XXXX XXXX XXXX that Aidvantage reported a new student loan onto my credit file. That same day I also received a credit alert from XXXX that Aidvantage also reported that this same student loan 's previous " credit limit '' was {$10000.00} however the " credit limit '' was " reduced '' to {$4100.00}. Due to the incorrect information being reported by Aidvantage ( reported this student loan account as having a credit limit ), this decreased my credit score with XXXX substantially, by almost 20 points when the " credit limit '' was " reduced. '' A telephone number was provided on my credit file for Aidvantage ( XXXX ). When I called this number, an automated system let me know that this number was to verify employment with federal workers. Not only had Aidvantage incorrectly reported information on my credit file ( reported a student loan with a credit limit ), it also lists an incorrect telephone number to get a hold of this student loan servicer. I then looked up Aidvantage 's telephone number online and spoke to several reps, including a manager who hung on on me. The reps told me to send in a written dispute, however, did not give me any information as to where it should be sent. They also refused to give me their credit reporting department 's telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: EQUIFAX, INC.
State: MI
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: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX all free annual credit reports were ordered. Within one week two of the three reports had been delivered. Equifax did not send my free annual credit report. This is a recurring issue with Equifax including previous complaints filed with CFPB. Equifax also keeps sending me the same letter over and over that there has been a recent address change on my credit file. The address listed is my previous address from 20 years ago. Last year Equifax assured me by phone that the letter would stop being sent as it has been arriving for the last nine years. I received the same letter in XX/XX/XXXX. That makes ten years the same letter has been sent to me without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a flight scheduled from XXXX  to XXXX to XXXX  on Monday XX/XX/2020 ( Departure Flights : XXXX XXXX and XXXX XXXX. Return Flights : XXXX XXXX and XXXX XXXX ). Due to COVID-19, my flights were cancelled by the airline, XXXX. I booked my flight through Chase XXXX for XXXX XXXX  Rewards points ( a {$510.00} USD value ). I called Chase XXXX  on XX/XX/2020 and asked if I could receive a refund instead and they got in touch with XXXX on my behalf. After several calls, I was finally notified by Chase XXXX through email on XX/XX/2020 that XXXX had denied my request for a refund and that I was only given a flight voucher. I was told that the airline 's policies did not allow them to give a refund. The airline 's policy was to simply give travel vouchers to passengers of cancelled flights. According to a notice published by the U.S. Department of Transportation on XX/XX/2020, " airlines have an obligation to provide a refund to a ticketed passenger when the carrier cancels or significantly changes the passengers flight, and the passenger chooses not to accept an alternative offered by the carrier. '' Additionally, the notice states that " Ticket agents are required to make 'proper ' refunds when service can not be performed as contracted on a flight to, within, or from the United States . '' XXXX 's refund policies clearly violate their obligations to provide ticketed passengers refunds when they cancel flights. My flights originating from the US and arriving to the US were cancelled, and XXXX and Chase XXXX  are both denying me a proper refund for services that were never carried out. I do not want a flight voucher and I made this very clear to the Chase travel agents as well as to XXXX. Since I booked my flight using Chase XXXX  Rewards points through the Chase XXXX portal, I am unable to file a dispute to get a refund for a service that I was never provided. Additionally, Chase XXXX has been of no help and has chosen to defer to the airline 's policies despite having the ability to refund my XXXX XXXX Rewards points to my account. Chase XXXX Rewards points are part of a financial institution and function as cash since they can be used to book travel, pay for credit card statements, and be redeemed for cash. Chase should be held accountable as a financial institution for the following two reasons : 1. Not providing me refund of my XXXX Rewards points 2. Not having a mechanism in place to dispute charges for fraud or services not rendered when using rewards program points that function as currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$1100.00} XXXX  XXXX XXXX  XXXX {$860.00} XXXX XXXX   XXXX {$470.00} XXXX  XXXX {$1800.00} XXXX  XXXX  XXXX {$3500.00} XXXX XXXX XXXX  XXXX {$920.00} XXXX XXXX  XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$630.00} XXXX XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1700.00}

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 2021-08-25
Company: EQUIFAX, INC.
State: LA
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 DISPUTED WITH EQUIFAX OVER THE PAST 8 MONTHS ABOUT XXXX XXXX  CREDIT CARD AND XXXX XXXX INQURIES ON MY REPORT. I HAVE SPOKEN WITH XXXX XXXX AND THEY AGREED THAT IT WAS FRAUD AND GRACIOUSLY OUT AN FRAUD ALERT. I HAVE RELAYED THIS INFORMATION TO THE EQUIFAX AND ASKED TO THEM VERIFY THE INFORMATION TO DELETE THIS FROM MY CREDIT REPORT. THEY SAID THEY VERIFIED THIS INFORMATION BUT THAT IS NOT TRUE. I HAVE SUBMITTED MY FTC REPORT AND MY POLICE REPORT. THERE HAVE BEEN APARTMENTS, CABLE AND OTHER UTILTIES IN MY NAME. I HAVE ASKED FOR VERIFIABLE INFORMATION WITH MY SIGNATURE ON IT OR ANY OTHER ITEMS TO VALIDATE THIS IS MY ACCOUNT AS WELL AS INQUIRIES. I HAVE YET TO RECIEVE THIS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
With CapitalOne Bank I have wasted a lot of time during the last 4 months ( since XXXX/XXXX/16 ) while trying get back my money that a merchant stole from me. CapitalOne just keeps putting me through hassle again and again - by making me talk with its reps on the phone, fill out endless paperwork as a formal dispute, explain it all over again and again ... I have already filed a claim with XXXX before on this matter. All useless. The disputed amount keeps being refunded on my credit card and then rebuilt/charged back. I am not going to talk it over here again. Now, my resolution offer is as follows : send me a CHECK on DOUBLE disputed amount. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$1100.00} XXXX  XXXX XXXX  XXXX {$860.00} XXXX XXXX   XXXX {$470.00} XXXX  XXXX {$1800.00} XXXX XXXX  XXXX {$3500.00} XXXX XXXX XXXX  XXXX {$920.00} XXXX XXXX  XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$630.00} XXXX XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1700.00}

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 2022-03-15
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Final attempt to pay off debt via phone call was on XX/XX/22. I requested a pay off amount to pay for my debt. I was given this loan on terms that my income/financial status could not meet. However, I was given the loan and unfairly able to make the payments, I fell behind. i reached out to them to settle the balance owed to pay them off something. They expect me to pay a balance I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX of 2013, I enlisted in the military. Prior to leaving I selected to pay my bill in full on my online account for Capital One. After I paid it and reduced the balance to {$0.00}, a {$3.00} interest fee was added that was overlooked. This charge went over looked for the time period I was in training and unable to access my phone or the internet. I had an excellent record of paying my bills monthly and on time, usually in full. Now that I am in the military I have a Security Clearance. I keep having to explain why I have a negative hit on my credit report and it jeopardizes my job. I tried contacted Capital One on a yearly basis to have this delinquency removed and I showed them my orders explaining the situation. They refuse. I can understand someone who is delinquent frequently or owes a lot of money. But this was over {$3.00}. And I paid the entire bill off on the Capital One website. The interest was tabulated afterwards. I am filing this complain because 7 years on my credit report is absurd and highly damaging to my career and would like it removed from the credit agencies. Please see all supporting documents. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX. However when I reviewed my credit report I noticed that my student loan was marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports, with all three bureaus. The purpose of deferring a student loan is to protect borrowers credit rating until we are able to pay.

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 2016-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Other

Complaint:
I have been receiving documents from XXXX/Capital One Credit Services addressed to someone who does not live at this address and who I have never even heard of and is not related to me in any way whatsoever. I have called and written to XXXX/Capital One and told them this, and also told them to contact the person and get their correct information, but they keep sending me his or her bills, etc. I do not have any accounts with them, so it 's not like this is a mix-up. Someone entered some information incorrectly on their end, or there 's some fraud going on. I do not want this person 's information to end up on my credit report somehow because it 's getting sent to my address by mistake. The person listed on the correspondence is " XXXX XXXX ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: WI
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:
I have 2 credit cards with XXXX XXXX  both cards show closed on my credit report. I've repeatedly disputed that they are open and in good standing and sent statements showing they are open. I've called XXXX XXXX  and was promised a letter stating they are open but I've never received a letter. I have been disputing this issue for over 2 years.

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 2022-12-15
Company: EQUIFAX, INC.
State: NJ
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 account 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 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 XXXX XXXX XXXX XXXX  XXXX has violated my rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX a debt collection notice was received from Midland Credit Management , Inc . Immediately the letter was disputed and a Debt Validation letter was sent in response via certified mail return receipt requested. 

The company Midland Credit Management Inc. persist in the response that the debt is owed to them in the amount of {$2200.00}. They also state in the response " If you believe that we have reached this conclusion in error, please reference the information below '' offering nothing but payment methods to resolve their error. 

Attached is the original ACH transaction from XX/XX/XXXX to the original creditor for the original amount of {$2000.00} with no fees. 

This account should have never been sent to collections for it was never delinquet.

Company response to consumer: Closed with explanation