BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 customer service

Complaint:
A Complaint against Capital One Credit Card. Back in XXXX I was approved for a secured Platinum credit card. Sent my {$200.00} deposit via my debit card. After a bad divorce, was trying to repair my credit. I have been in XXXX XXXX for the last XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXl XXXX. The card should have reached me in XXXX. The first rep confirmed to me that the card was sent and sent to the above address. I never got it - whether lost in the mail or misplaced at the facility. While the card is not that important, the principle behind taking my money and not getting the card is important. It was on my list to follow-up so finally after moving to XXXX just XXXX the XXXX from XXXX XXXX XXXX I called and much to my amazement I got treated like I was a scam artist. I got transferred to other reps in their fraud department and finally told them I just wanted my security deposit back. Then, they told me I wouldn't get me money back for two billing cycles and that they would send me a check not to the new address I gave them at XXXX XXXX XXXX XXXX, # XXXX, XXXX, XXXX  XXXX. I told them to send it to the new address and the rep said " no. '' At this point, I was fed up. I just want my {$200.00} back, which I paid through my debit card. I asked to have the money returned to my card- they said no. My resolution - return my money to my card or send the check to my new address- otherwise knowing the XXXX  XXXX XXXX - I will never get it. I didn't get the card so why is a check going to be any different. I also told them I would sue for unfair trade practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed an initial complain with CFPB on XXXXXXXX XXXX XXXX  and just found out it was never processed on your system. I'm reproducing them now so as not to repeat myself.

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 2022-10-14
Company: EQUIFAX, INC.
State: TX
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:
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  ) Im submitting this requsest in regards to my initial dispute to the credit bureaus ( XXXX, Equifax and XXXX ). I submitted a request for validation for account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not recevie a response back from neither credit bureau, after reading over my consumer laws I've determined that this is a FCRA violation and and Im requesting for immediate deletion of both accounts becuase its past 30 days and the bureaus have not responsed and also the following information was not provided. 

I requested each bureau to provide me with the following : What the money XXXX XXXX XXXX XXXX XXXX XXXX  say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service. 

Also, its has been 60+ days and no comment and/or remark have been made to my Equifax report under XXXX XXXX XXXX  to acknowledge my dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. This is yet another violation and grounds for immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX XXXX XXXX loan is not my account! remove immediately!

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 2023-06-07
Company: EQUIFAX, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-31
Company: EQUIFAX, INC.
State: CA
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:
In XX/XX/XXXX my vehicle was involved in a hit in run the vehicle was a XXXX XXXX XXXX XXXX XXXX the car was totaled my insurance company paid the total loss of the vehicle XXXX XXXX who paid the amount to the lender Ally financial I contacted Gap insurance I believe the claim was taken care of. One year later, I was informed by Equifax that a new account was on my credit report. Ally financial placed a balance of XXXX on my credit not only did XXXX XXXX not inform me of this balance existed. I was never informed nor was I given a chance to provide proof to the insurance company of the payoff not only did this drop my score my 60 points I spent over a year disputing this account if the insurance company did not pay the balance I should have been able to make a payment plan however this amount needs to be written off the gap insurance contacted Ally if they did not respond within the time frame I should not be held accountable. I sent numerous documents to Equifax that showed. I did not owe this balance. I believe this account was resolved it shows up on my credit report as account closed yet this is not correct. I recently found out after having my credit report ran several different times that this account is showing up as a negative remark and this has caused me not to be able to get financed for a vehicle. I spent countless time building my credit and XXXX XXXX has caused me great hardships and embarrassment. I work on on building up my credit there is not a lending company that will finance me unless the payment is extremely high. I spent a year trying to remove this mark off my credit report XXXX XXXX has bullied me and ruined by credit I've been trying to get my credit back since this incorrect has been placed on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: CA
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX and 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 2020-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I called into close my bank of america credit card account which has an annual fee. The agent promised that she would be able to give me 5000 miles in rewards if I continued to keep the card, which also means I will be charged a {$90.00} fee. Its been two months and I did get charged the annual fee, but haven't received the promised miles. 

I called back and the bank is saying they don't have such policies. I ended up closing my account, but this is blatant fraud to charge me an annual fee and not keeping their word about the rewards. They have misled me so they can charge the fee.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I wanted to know if you have received all my letters since the month of XXXX because it seems that Im not getting any response nor resolutions from here. Ive been patiently sending you letters. I spent a lot of time, effort, money and energy explaining to you guys my complaints, inquiries and disputes. I never missed to inform you how these inaccuracies affect my scores and my name. I needed resolution and I need your assistance to help me reach out to these Consumer Reporting Agencies.

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 2023-07-10
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, Apple Card Goldmans sach added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Goldmans sach has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX that I owe Some account ending in XXXX. 
Synchrony Bank All my accounts were paid. 
XXXX XXXX Carecredit I keep getting harassing calls asking for personal information over the phone. I will not give it. They will not tell me who they are or what the debt is. 
I need help for them stop. 
Sincerely 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 2020-02-21
Company: EQUIFAX, INC.
State: MD
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:
The mortgage lender XXXX went bankrupt effective XX/XX/XXXX. As a mortgagee, my account was transferred to another lender, XXXX ( please see attached service transfer request from XXXX to XXXX ), however, my credit score unjustifiably dropped 24 points in XX/XX/XXXX, because the transfer was categorized as a " closed account ''. 

The account remains open and XXXX is now receiving the mortgage payments. I immediately disputed this with XXXX, XXXX, and Equifax. My score only increased by a few points. I tried revisiting the disputes on XXXX XXXX but they did not have the option to extend my argument. 

This is in direct violation of the Fair Credit Reporting Act and I find it most disheartening as I work fervently to maintain an excellent credit score. I should not be penalized for XXXX 's inability to stabilize their financial infrastructure and for the record, a second time since its inception.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: TN
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:
To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 


These are clear violations of my federally protected consumer rights

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 2023-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Made 2 purchases for made to order merchandise from an online vendor with a bank of america credit card ending in XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX {$390.00} USD XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - {$290.00} USD The original timetline for delivery was 6 months. Merchant failed to deliver the order and deployed deplay tatics and I finally opened the chargeback dispute with BOA on XX/XX/XXXX. The associated claim number was XXXX and XXXX for the 2 dispute of the 2 transactions. I provided all the necessary documentation for the 2 disputes. 

On XX/XX/XXXX, BOA wrote me electronically that they will not resolve the dispute becuase it fell out of the timeframe. I followed up with BOA serveral time on re-opening the claim and re-iterate that I purchase something that I didn't receive. If BOA were to ask for the opposing merchant financial institution for proof of delivery tracking, they would've fail to provide one since it wasn't shipped out and credit back to me the full amount. But BOA refuse to even proceed with the claim.

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 2022-10-14
Company: MOHELA
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX - began sending secure messages through my account portal on Mohela 's website asking for the status of my application for the limited XXXX waiver. 

XX/XX/XXXX- sent another message same as above. 

XXXX/XXXX/XXXX - sent another message same as above __ STILL HAVE RECEIVED NO RESPONSE___ XX/XX/XXXX - tried calling Mohela customer service more than XXXX over a XXXX hour period. Spent XXXX hours on hold at XXXX point. Nothing. 

No response from company. Can not find out if my application is with them or if I will miss out on the limited PSLF waiver which is due by XX/XX/XXXX. This company is absolutely ignoring customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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:
Hello, I have been fighting against identity theft for the last few years periodically I will find inquiries and new accounts that do not belong to me. This has been an ongoing battle and has been very different stating in my life. Ive also had to go to the instead of getting a police report for XXXX XXXX XXXX to get them removed off my credit. I have been in contact with the police department over identity theft and this is becoming very exhausting. my identity has been compromised and this has been overwhelming. I The put in a complaint with identity theft.gov in the hoping attempt of this XXXX it 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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2022-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/22 the company refused to allow me access to my account or to make a payment online. I tried resolving this issue and they refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
An account at Bank of America was opened in my name for {$29000.00} without my knowledge or approval, and it has had a direct impact on my finances, and I would like to be compensated for this error. I have reached out to the company, and they have reached out to me, but they said they couldn't verify me because I didn't have my complaint ID on hand.

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