BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I received an email from Capital one stating my profile phone number was updated. I do not have an account with them. Then, a week later, I get a letter stating my application for a checking account was declined. 
Recently, the IRS sent me a notice that I must verify my identity before they process my refund. I have not filed a 2022 return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Square Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I did a money transfer from my bank account to my cash app account for {$180.00} however I did not use the cash app card I tried to send {$180.00} dollars back to my bank account it was canceled for the transaction called cash app XXXX and spoke with XXXX from cash app he told me me to download two apps # 1 XXXX XXXX # 2 XXXX XXXX  so those apps can view everything on your phone in the interview process he told me to push in {$100.00} the XXXX XXXX dollars came from my bank account with him on the phone my bank Frud protection services called me and asked if Arthurise this transaction after I got off the phone with Mr. XXXX I told my bank no I didn't my bank closed my debit card I called cash app back after back and forth with saying that I was refunded and I made a cash app transaction to another account / I tried to tell them that how did the money get into my account and back to the cash app when my debit card was not working ) ) please look into this matter..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Card was charged XXXX dollars by rental company on a fraudulent charge. 
I disputed this transaction. Citi denied my dispute. Credit limit on this account was XXXX so because of this I was XXXX able to make the minimum payments and due to COVID not working and on UE Assistance. Reached out to Citi for pandemic assistance and was ignored. Due to not being able to pay the minimum the company charges me a XXXX dollar late fee every month. Which adds to the balance. They closed the account and continue to charge me XXXX dollars a month late fee. XXXX due is now XXXX dollars with a total balance of over XXXX. 

Ive contacted city XXXX separate times to resolve this and set up a payment plan. Citi has denied me multiple times as my account didnt qualify. They provide no reason why only that the process is automated. Citi continues to call me no less than 4 times a day leaving voicemail after voicemail, to bring the account current, however citi is unwilling to help or set up a payment plan. 

Last rep spoken too is named below. 
XXXX XXXX Previously before this my call was ended prematurely by a citi rep while I was asking questions.

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 2023-11-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts.

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 2023-11-11
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I disputed with Equifax on XX/XX/23. Equifax received my dispute on XX/XX/23 as it shows according to the certified mail. On XX/XX/23 I received a mail from Equifax requesting for my ids. I sent copies of my ids back on XX/XX/23 and Equifax received them on XX/XX/23 according to the certified mail. I sent a follow up letter on XX/XX/23 including the same dispute along with copies of certified receipts for the dispute and ids was received by the company because I feared my personal information must been lost or misplaced by Equifax since I havent heard back from the company. The company received follow letter on XX/XX/23. It is now XX/XX/23 and Ive yet to hear back from Equifax. According to the FCRA gives the company 30 days to respond, I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: NJ
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: Problem with personal statement of dispute

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
I GOT A LOAN FROM ONE MAIN AND THEY PULLED MY CREDIT TWICE AND THEY OUT-OUT FROM PROMO INQUIRIES, THERE 6-7 ON XXXX AND 4-9 ON XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: NY
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:
Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$490.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$330.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report

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 2023-11-11
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I keep call and email yall bank of America XXXX is playing with my money. Lieing in coming up with stuff so I want get my account and card. And its no way they can do that to my stuff. So yall need to talk to my company and see what they up to.

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 2022-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, I reported numerous fraud charges on my business credit card. I was informed by Bank of America ( BofA ) representative XXXX that I was not responsible for fraud charges and my credit card would be credited. Attaching recorded conversation with permission. 

I was informed that the charges would not be credited because BofA indicated that their investigation revealed inconsistant details. BofA was not specific and it made no sense what that means. 

I recieved my statement still showing the fraud charges. 

On XX/XX/2022, I spoke with XXXX, in XXXX, AZ, business card fraud department, that the investigation was still ongoing and that I was not responsible for fraud charges and my credit card would be credited. 

In speaking with XXXX she indicated that if you had ever done business with any of the companies at anytime in your life that were reported fraudulent, even though the fraud was committed by a suspect or criminal without permission to use the credit card, you are held responsible. I informed XXXX that I had never done business with any of the companies. She stated that the fraud would be credited. This shows how incompetent and racially discriminating BofA is toward XXXX 's and XXXX senior citizens. Not able to attach recorded conversation with permission because it's to large.

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 had my identity stolen there is a XXXX XXXX card in my name fraudulent over 120 days pass due. I've been trying to resolve this issue for maybe 6months or more. I put in over a dozen disputes I've talked to managers on both the trans union an XXXX XXXX as for as this account no one has resolved the issue. My credit is still dropping it's dropped my score over XXXX points I could cry every time. It's really upsetting to not be able to buy a home because of this effecting my credit score. The economy is already hard enough without credit. I worked so hard being a young woman to have good credit an this has ruined me. Please help me get my score back on track to fulfill my dreams on being a homeowner.

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 2022-11-29
Company: OneMain Finance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/2022 i need a personal loan to take care of some personal needs that i had need to take care of. i got on XXXX XXXX to because the always suggest companies to get personal loans from. So, One Main was one of them i applied and got approved. They called me and told me the only way i can get the loan is using my car for collateral i did and Reget it. I recently went through a hardship due to the hurricane. I called the local to let them know I'm out of work and can I apply for a deferment until i get back on my feet. they applied on they told me i have to call to get other for the next month. I called the customer service number they informed me that to get a deferment i will have to pay money. That sound crazy to me because this isn't my 1st auto loan and when you get a deferment you don't pay. i been call at least twice a week this month so I can speak to a supervise to explain my hardship. so today is XX/XX/2022 I called XXXX this morning to speak to a supervisor they informed there no supervisor to speak to she gave me a number for customer complaint. That number doesn't address my issues I call back at XXXX they rep transferred me to a supervise and i told her my situation. She explains to me the same customer policy that i would have to make half of the payment to get a deferment. I told her if had the money I wouldn't need a deferment. I feel like this isn't right they supposed to have a program that helps customer in hardships. I'm making my monthly payment to you faithfully and there way you can help the customer. you rather put me further in debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Service Finance Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2021 I applied for credit to purchase a new AC unit for my house and was offered financing interest free for 12 months through service finance company llc XXXX XXXX XXXX XXXX Oh XXXX. 
Every month since then I have had difficulty paying my bill. It only arrives a few days before it is due, and while they say they have the ability to pay on the phone or online those options are not available. The web site has never worked, I am unable to even set up an account. And today when I went to the web site and got a phone number it was for a different company. I entered my account number and received a message saying they had no record of it ( which makes sense it being a different company ). Now my bill is 2 days from being due, and I am unable to pay. It seems the only reason to make it so hard to pay is that then I will have violated the terms and can then be charged interest and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: BARCLAYS BANK DELAWARE
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am filing a complaint against Barclay US Credit Card regarding my registered Dispute # XXXX Barclay Card ending XXXX. 

On XX/XX/2020 I purchased an XXXX XXXX {$4100.00} a round trip first class ticket XXXX/XXXX. This flight was cancelled due to COVID19 and to date I have been denied two occassions by Barclay in writing that they get will not be involved with the dispute. I am stonewalled and an honest consumer with rights. They stated in a letter to only return to the vendor to get me money back and denying they are responsible to be involved. 

I have been in touch with XXXX XXXX for 4 months, but COVID has caused the phones to not be answered and the XXXX office closed. I have reached them by email and they agree to a refund but none has come over the 4 months of receiving emails back. They keep saying money is coming. It may come, but if it does not I am out the money. 

The ticket was cancelled and it is refundable ticket as its First Class. The issue is no money.

I have sent a lot of documentation to Barclay and do not think they are reading or following US consumer law on this matter, reading the fact its a cancelled flight. A manager called XXXX spoke with me and requested to re-fax my confirmation email about refunds being due from XXXX XXXX, but no promise. 

Speaking to Barclay is difficult at best even with the long phone waits. They are stating each new fax of documents or management call back can be a week or more. And they are not advising me on my rights to that this flight cancelled. 

Also, poor overseas support are contributing to a difficult with constant cultural and elocution problems. The dispute lines will not tell you anything about your case, just that your denied and if they do its inconsistent call to call. 

In my opinion Barclay is not providing the consumer with transparency regarding what is needed to help them understand US consumer protections I and others have. 

They keep advising me they must follow their policy, when I keep saying and proving the flight is cancelled due to COVID and the ticket refundable. T This Dispute is valid and needs to remain open until a refund from XXXX XXXX comes or Barclay provides. 

I have filed complaints with the DOT, FTC and Mass Attorney Generals Office I am very concerned what they are doing is happening to other consumers. 

Attached is the most current cancellation/refund correspondence from XXXX XXXX, they are now saying its 7-10 days, but they have promised its in process in the past, its 4 months! Note I purchased this ticket for my sister XXXX XXXX who was flying with me to 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 explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXXDEPT OF ED Account number:XXXX  Account name : XXXX/DEPT OF ED Account number:XXXX  Account name : US DEPARTMENT OF EDU Account number:XXXX  15 USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years. 


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

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 2019-06-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I missed either XXXX or XX/XX/2018. Payment Chase called me in XXXX of 2018 to pay it. I had 90 days to pay but paid it in 60 days. I also paid the payments that were due when there due was. 

Now Chase is stating 3- months I was 30 days late. Then said I am 90 days late also. 

I am upto date on this this mortgage payment

Company response to consumer: Closed with explanation