BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Due to 2 unhonred check payments, Capital One closed my credit card account. Prior to this honest mistake, all my payments were in full and on time in cash at the branch. I reached out to Capital One Bank to dispute this and was refused to have the account re-oppened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NV
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$810.00}.

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 2022-09-20
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
As of XX/XX/22 I have not been able to access my online banking with PNC Bank. I called and spoke with a representative on XX/XX/22 and XX/XX/22. I still can not access my account on XX/XX/22. 
This is not the first time this has occurred and last time this happened it was WEEKS before the issue was fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX - XXXX & XXXX -- -- They are reporting 2 erroneous account on my credit. They are not mine nor do I owe any insurance company. I have disputed this many time for proof of a signed document which they have yet to provide. These are from 2015? the statute is lapsed also and these are not valid!

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 2018-06-14
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 status incorrect

Complaint:
XX/XX/XXXX has reported a loan 3 times and reported that I was delinquent 3 times. The loans have the same open date and I don't owe 3 different balances. I have tried reaching out to the company and they disregard my request to fix it. See page 2 & 3 of the report that was pulled by the mortgage company. XX/XX/XXXXhas single handily kept me from getting into a new home! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions 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:
There are accounts being reported on my credit that are inaccurate and I do not give Experian written instructions to furnish these accounts. If they continue to report these accounts that will be a violation of 15 USC 1681b ( a ) ( 2 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Holloway Credit Solutions
State: AL
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, has violated my rights. 
15 USC 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On numerous occasions I have contacted Capital One and provided documentation regarding my account. The account was opened approximately 1 year ago and upon opening my job relocated myself out of the country which I thought would be permanent became only temporary and now here I am back in the XXXX and have spent many hours on the phone with Capital One trying to resolve the issues they had with issuing the card to myself. Capital One security department on many occasions kept referring back to the number I had prior to leaving for XXXX and demanded that was the only number theyd accept for verification with the account. Having lost the number when I left I no longer was able to receive such a text from them, so therefore finally they requested further documentation in which I provided and after providing the security department told myself that what they received wasnt acceptable and would be permanently restricting the account and closing it. A month and 1/2 proceeded and I saw that the account was not closed and contacted Capital One and was immediately sent to the fraud operations department which started out with the rep there lying to myself about 2 issues and only to go on further and I had enough at one point and ask for a supervisor and at that point i began to record the call and the rep stated there was non available and i could try back next week and speak with someone and could be assisted then. I at that time called from my other phone and got a guy on the phone from the same dept who stated that yes there is supervisors available. I took the call with him only for him to argue with myself about he wasnt able to close the card and then i asked for a supervisor and he told me at one point one wasnt available and then I demanded and he then stated yes one was available but id have to get a call back and I stated I'd hold for one and he then insisted one call back, I believe with no  intentions of having someone call. Finally he says hes getting one and places myself on hold for 25 min to then come back and say he can proceed with closing it. Capital One has kept the account on my credit file for an excessive amount of time and then refused to close it only to tell lies which I have recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I set up XXXX business accounts in person at a Bank of America ( BoA ) location, I was told that the accounts were linked and that in order to not be charged fees I needed to maintain a {$5000.00} balance between the linked accounts. Despite telling me this, BoA started charging me fees, so I called and spoke to a BoA rep on XX/XX/XXXX, and they waived the fees, and explained to me that I needed to keep a minimum of {$3000.00} in each account to waive the fees. I transferred {$3000.00} into each account to ensure the accounts would not get charged fees. I do not use the accounts so I did not check them until XX/XX/XXXX. When I checked them, I see that BoA has been charging me {$16.00} a month fee for each of the XXXX accounts ( {$32.00} a month total/ {$540.00} total across the XXXX accounts ). I have called BoA twice now to resolve the issue. The first time I was told that a supervisor would need to refund the fees and that a supervisor would call me back, but no one called me back. The second time, the agent hung up on me and did not bother to return my call. 

Attached are XXXX notices from BoA that emailed me to discuss the fees on the account. They note that I need to maintain a {$3000.00} daily balance to avoid the fees, which I did, but they still charged them to me. I have not received any other notices of fee changes from BoA. I have checked their " online communication center '' for the accounts on their website, as well as my email and mail. It is illegal for BoA to charge me fees when I did what they told me to waive the fees. It is criminal that I have to continue to waste my time calling BoA to get these fees back.

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 2020-04-11
Company: EQUIFAX, INC.
State: MO
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:
A year ago my wallet was stolen with all my identification in it and every since then my identity has been compromised. Accounts and attempted accounts been appearing on my credit file, unknown and unauthorized by me. Therefore, I'm demanding the the following accounts be removed and blocked from my credit file immediately. 

1. XXXX XXXX XXXX 2. XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: VA
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 ( FCRA ), the following ( 4 ) Creditors have violated the rights afforded to me by the FCRA.

NOTE : The " Account details '' for the 4-Creditors listed below are noted in the following " Fiar Resolution '' section of the complaint.

The following Creditors have violated the rights afforded to me by the FCRA : XXXX. XXXX XXXX XXXX  - Account Number : XXXX. 
XXXX. XXXX XXXX - Account Number : XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) - Account Number : XXXX. 
XXXX. XXXX XXXX XXXX ( Original creditor : XXXX ) - Account Number : XXXX. 

***The ( US Consumer Laws ) in accordance with the Fair Credit Reporting Act ( FCRA ) : 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 ). States that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B. States that acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Somewhat complex and hope that a representative will help me to describe my complaint. 
the guidance of ANY said XXXX, of any CREDIT CARD company, the named institution or other on how to correctly utilize, discharge use, full disclosure of said procedure to credit the legal entities account with the discharge or offset of public debt. CREDIT that is due to me the taxpayer upon a signature of my name, in its unlimited commercial capacity. 
As authorized representative of my legal entity, they are entitled to write and tender lawful notes. This has been a common practice for many years. The attempts by any XXXX of the company or any other credit card company, to dishonor any lawful notes, refuse to give process on how to do so, and not process such lawful notes for discharge or offset, will be a Dishonor in Commerce, Fraud, Conspiracy,  Racketeering, collusion, etc. I believe there is no proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX we started the process to refinance our mortgage with AmeriSave. We submitted all the requested info and was advised that our rate would be 2.875 and we would close within 45 days. After 45 days I was advised that we would be closing. 2 weeks later they were delaying the process by asking for items that had already been verified and claimed that the loan was locked. We were advised several times that they could not provide us with a disclosure indicating our request to lock the rate at 2.875 and was advised 3 days prior to closing it had been locked only to find out the closing had to be rescheduled to the following week. Once we asked to speak to a manager who called the day after our cancelled closing, The manager advised that the loan had not been locked the day after we had been scheduled to lock. We felt we were a victim of lies and asked that our application fees be refunded as we would not proceed. The customer service was awful and was personally insulted by the loan processor. This conversation was recorded the week of our closing. I recommend someone listen to this conversation. I felt lied to by this company and have requested that our application fee of {$500.00} be refunded. The manager I spoke to felt that indeed I was lied to and offered us {$2500.00} to go forward with the loan. I advised them I would be filing a complaint but they didnt seem to care. This is a form of bribery and feeling they were caught breaking some sort of disclosure law. The documents I had received prior to closing did not indicate a locked rate because it had not been locked therefore offering something that they didnt have! Upon further review I have noted that there have been several complaints against this company. The bait and switch needs to stop! I am requesting the {$500.00} non refundable application fee be issued to me immediately as I was lied and tricked into believing this was a reputable company. It is not!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital one is reporting an inaccurate account on my credit report. I sent them a notarized certified letter on XX/XX/22 at XXXX letting them know that they are re

porting inaccurate information on my credit report. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. They are reporting the account as a Collection/Chargeoff it can't be both. its either a collection or charge off. if its a charge off i never received my 1099c for this account. The IRS clearly defines a charg
e off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reportin

g of this account inaccurate! By Definition the IRS Clearly says a Cancelled or Charge Off is income. The reporting of this account as a debt is in accurate. 15USC 1681 s-2 says Capital One company are a furnisher of information to consumer reporting age ncy. Capital one is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 U.S code 1681 s-2 ( a ) ( 1 ) ( A
) 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.

The lender must fi

le form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial, credit union , federal government agency, or other applicable entity as discussed in chapter 1 The above paragraph is taken directly from the IRS publication . 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibitio
n ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the ad

dress specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that are reporting Inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is clear violation of the law 15 US code 1681 s-2 of your re sponsibilities as furnisher of information. CAPITAL ONE SENT ME THIS LETTER BACK SAYING ITS THE CREDIT AGENCIES ARE REPORTING THIS ACCOUNT. NOT TRUE IT'S CAPITAL ONE TELL THEM TO REPORT THIS INACCURATE ACCOUNT TO MY CREDIT REPORT
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Conduent Incorporated
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I recieve Illinois Child Support payments on a pre-paid debit card through the Way2Go card or GoProgram. I normally don't have any issues with this, but my card expired in XXXX. I called the company to find out where the replacment card is and was told it should be at my house by Wednesday XXXX it was Monday XX/XX/2020 when i spoke with them, it is now Saturday XX/XX/2020 ) and still no card. I have tried to call the number on the back of my card again ( XXXX ) and i can't seen to get through to a person again. I have been on hold every day, multiple times a day for over an hour at a time. I have a son who has XXXX and it is time to get his refills on XXXX medication so I really need access to the money in the account. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Bank subject to complaint is Comenity Bank. I applied for a line of credit for a credit card through their XXXX the XXXX of Jewelry Card. I was given the following reason for my rejection : " because you are under the age of majority ( the age to legally enter into a contract ) in PA, we are unable to extend credit to you at this time '' This is incorrect, as the age of majority is XXXX in PA, and i am XXXX XXXX XXXX. 

The notice I received had no contact information on how i can dispute the incorrect decision. 

I called Comenity 's main line, where the customer rep told me that there is nothing she can do and that the rejection notice was final. I asked for a supervisor, and she agreed but said " they will tell you the same thing ''. The supervisor transferred me to a new department, but the transfer led me to an automated message with no action to dispute the incorrect decision. I was told I could " write '' to the address on the letter, but given that my application was rejected under false pretenses and the need to take out a line of credit, The lack of contact points Comenity provides is not a good-faith effort, and it's plausible they reject applicants on false pretenses to hope they avoid going a tedious communication method. 

It's complete age discrimination I am facing here. I have more than enough income to supplement the credit i am asking for, and Comenity denied my application based off of false pretenses. When i informed them of this blatant error, I was given no choice to actively discuss why my application was denied. Its despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Credit Systems International, Inc.
State: AL
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, on or around XXXX XXXX, a Chase bank teller stole {$200.00} in cash while a customer was making a cash deposit on location. 

This branch is located in XXXX XXXX XXXX, XXXX, NY XXXX. 

The cash deposit was handed to the bank teller with the exact amount and quantity of bill being deposited on the back of the deposit slip. Example : $ XXXX XXXX, $ XXXX The bank teller did not count money in front of the customer and failed to use the money counting machine right next to him. 

Instead, he proceeded to use the money counting machine that was further away from his work area. 

He told the customer that {$200.00} in cash was missing. 

The manager was contacted but he failed to investigate the matter. 

The matter was then escalated to Chase Branch Complaint Escalation Group. 

The XXXX XXXX Police Department was contacted and then the police report was filed on the same day with two police officers on location. 

The Chase Brank Complaint Escalation Group does not provide updates to the case nor do they call back when requested numerous times.

Company response to consumer: Closed with explanation