BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX and due to Covid, I contacted Capital One to ask for a lowered interest rate on my credit card. The current rate was 21 % and I have a credit score in the high 700 's. I was told I would receive a temporary rate of 7 % and that would only be effective until XX/XX/XXXX. As for XXXX Capital One has not lowered my rate to the agreed upon 7 % but they have lowered it to 15.4 %. Per my conversation with Capital One on our original agreement, not a single terms of use, APR rate changes or current rate of terms was ever disclosed nor did I approve or validate the 15.4 %. I was told I would have a 7 % rate. I contacted Capital on on XXXX and they refuse to acknowledge their mistake and informed me that they never have offered that 7 % rate and I was confused. I took detailed notes and let be clear, I was not confused in fact, I was elated due to Capital One being so willing to work with a customer that they have had for almost 15 years. It was unethical for them to falsify information regarding my interest charges. It was unlawful for them to not disclose the rate I would be charged at. Additionally I was told that my temporary rate of 15.4 % would only be good until XX/XX/XXXX, not XX/XX/XXXX like I was told per my original phone conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: EQUIFAX, INC.
State: ND
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 'm a victim of identity theft. There 's a fraudulent and unauthorized hard inquiry listed on my Equifax and XXXX credit report. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX, XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2023-02-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; DXXXX 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 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 explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: OK
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:
My account was said to be in forbearance during the 2020 Covid-19 Pandemic. 2 months later I checked my account XX/XX/2020 and it said it was past due. I immediately made a payment for the 2 months and then setup on auto pay. I am requesting this to be removed from my report 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 2023-08-09
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:
I have sent letters asking for verification of the company listed below. This account has not been verified by the company below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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:
Howdy, This is XXXX XXXX, I unfortunately became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans union and XXXX dropped my credit 153 points from a XXXX to a XXXX after I specifically reported a fraud happening on my account!! I pay my credit on time and even tried disputing this matter! Transunion then only lifted my score up to XXXX and XXXX is still XXXX I pay my card on time and was subjected to fraud the beginning of this year. I never requested for a card to be sent out for the authorized user on my account and the card was sent out to an address I no longer live at which resulted in it being stolen out the mail box and charged up {$500.00} Please give me a call for more details.

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 2022-09-17
Company: WELLS FARGO & COMPANY
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was shocked by a friend of mine, at first of how she said she made all this money through a XXXX  investor she met on XXXX so I contacted the investor to see if she could help me in investing with XXXX. So when I got in contact with her she went through some steps with me and guided me into XXXX XXXX and I did {$1000.00} in XXXX wlch is now permanently gone, and later on had me to go to this website called cryptotrustminers.com to withdraw money that I put in but I couldn't, it was a scam the whole time she kept asking for more and more money just to get a withdraw out but nothing received, I was so hurt so I contacted my bank fraud department to see what they could help with but even they failed me, so now I'm out of {$3500.00} truly sad, I got scammed out of {$1000.00} on XXXX and {$2500.00} through XXXX transfer to the fake XXXX investor I don't know who I can run to for this type of situation

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 2022-11-28
Company: EQUIFAX, INC.
State: OH
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 am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. However, these accounts are STILL inaccurate and your company is still continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: LEXISNEXIS
State: PA
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 : Whom It May Concern, I did not consent to, authorize nor benefit from any of the folowing accounts. According to the FAIR DEBT COLLECTION PRACTICES ACT. These compainies has violated my Consumer Rights. I am asking you to immediately stop all collection activities pertaining to these debt accounts, including reports to credit reporting agencies. I also ask that you tell these business where the accounts was opened that this debt is the result of identity theft. In the event of an investigation, Acoording to the FAIR CREDIT REPORTING ACT, Pursuant to 15 USC 1681a ( e ). Please send me a letter explaining what you have done to : 1. Inform the business where the account was opened that the debt is the result of identity theft.

2. Stop collection activities against me.

3.Stop reporting information about the debt to credit reporting agencies.

4.If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft.

5. provide me with the records I requested. 


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  Thank you for your cooperation Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This a depute that on Bank account # XXXX Bank Card number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The claim has started by checks that were deposited in the ATM on or about XX/XX/XXXX. The check noted on attached # 1. They were stuck in the ATM and would give me a credit, so I worked with the branch and submitted a claim. We added the checks up in the wrong amount and we asked for a credit of {$26000.00} for those checks. 

On XX/XX/XXXX, I still had not received the temporary credit still had and they stated it would take 10 days. So, the Chase representative stated that I should stop payment on those checks and get replacement check and deposit them in the bank. We also cancelled the claim for {$26000.00} ( D ) on call. The next day on XX/XX/XXXX, I deposited all new checks. Those checks cleared the bank and where fully funded. 
On the XXXXXXXX XXXX XXXXXXXX the bank the processed the stop payments on the checks that where stuck in the ATM stop and debit my account for 5 checks totaling {$27000.00}. Then on XX/XX/XXXX, the bank reserved the temporary credit of {$26000.00}. Causing my account to be negative {$27000.00} ( D ). I when into the branch and discussed this with the branch manager that these transactions had occurred she filed a second claim in the amount of {$27000.00} ( B ). This that was reversed on XX/XX/XXXX ( A ). Because they said they could not find the checks that where in the ATM that they stopped payment on XX/XX/XXXX. 

I talked with 5 difference claims representative the first representative XXXX hung up on me and when I called back gave me the run around for and hour. The last representative XXXX continued to state she could see the reversal but could see the checks deposit in a very nasty and offensive manner. I would listen to the discussion and take action disciplinary action against her. 

I would like my {$27000.00} from the stop payment check returned to my account. I would also like to be compensated for the 30 hours that I have spend on this issue because of the checks being stuck in Chase ATM. My billing rate is {$250.00}. 

I am providing a summary of the transactions in the coversheet and a my checking account with the items in questions circled for easy following.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-11
Company: Experian Information Solutions 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2018-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Other problem

Complaint:
Let me be very specific. Capital One is a company that charges their credit card customers a late fee of $ XXXX, even if payment is made ON THE DUE DATE. They are playing games with EST vs. PST and that there is a time cut off for payments made on the due date. 

This is an egregious, outrageous and in my opinion, disgusting tactic to try and turn late payment fees in to a profit center. When I called in to complain in XXXX to get my fee reversed ( I had forgotten that auto pay had been turned off ) I was met with a rude customer service manager who could have cared less. 

As for my XXXX payment, I tried to pay both online ( their site would not accept new payment options at that time, on the XX/XX/XXXX when I tried to pay ) and my perfectly valid payment method ( a XXXX debit card ) was rejected when I tried to pay via their automated phone tool. 

Their customer service was also not available ( no human available ) despite the fact that it clearly says 24 hour customer service on the back of the card. Are they referring to the automated system that does not work?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I didn't authorized ( authorization ) too view / pull credit for new accounts!!! 
( Identity Theft Victim - Equifax Data Breach )!!! 

Inquiry details : XXXX!!! 
XXXX XXXX  Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX XXXXnquiry from XX/XX/2018 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank Inquiry details : Equifax!!! 
XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 Television & Radio

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank abruptly locked my checking account with a balance of {$1500.00} allegedly because of fraudulent activity. I did not request them to make a debit card nor have I ordered checks for the account, so the only access to the account is either in-person at a branch ( I live in XXXX, and there are no branches in the entire city ) or through online means such as XXXX, XXXX, XXXX XXXX  XXXX. So far, I have only used the account for deposits from my XXXX sales and withdrawals to my XXXX investment account. No other charges have been attempted on the account. No fraudulent attempts to access my account have been revealed and every transaction has been verified by me as valid. When contacting Citibank, they would not give me a way to remedy the situation but instead always claim they are elevating the case and it should be resolved in 24 hours. I was told that 8 days in a row by their support staff. This is a XXXX situation for my funds without remedy, and I have already suffered fees from rejected ACH and lost opportunity from purchasing inventory.

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 2020-11-11
Company: JPMORGAN CHASE & CO.
State: GA
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:
I paid off the statement balance for my Chase Slate account on XX/XX/XXXX in the amount of {$3000.00} due to the high interest rate. I paid off the statement balance after receiving a debt consolidation loan. 

I then received a letter on XX/XX/XXXX notifying me that my credit limit would be decreased from {$3200.00} to {$500.00} based on a " credit review ''. 

I contacted the credit account on XX/XX/XXXX and they offered to do another credit review, resulting in a hard inquiry, to determine if the credit limit could be restored. Why are you offering to pull a credit report if you claimed to have already performed a credit review? Or are you punishing me with a lower credit limit because you won't be able to collect any more high interest payments now that the balance was paid in full? 

Although my credit utilization rates are high, they have not changed within the past 6 months to 1 year. If the " credit review '' revealed that my credit utilization rates were not favorable, why wait until the balance is paid off to lower the credit limit? 
Making better financial decisions should not affect credit worthiness. 

I've been a loyal customer since XXXX and have made all of my payments on time. I was planning on still using the card to keep it active, now I'm debating closing it because of the poor customer service and business practices. Disgusted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Standard 30 yr morgage, never missed a payment, escrow attached to mortgage. 

XX/XX/2021 - Received letter from a XXXX XXXX about our unpaid school taxes. 
XXXX : XXXX XX/XX/2021 - Notify Citizen Bank via phone call about the missed tax payment ( https : //www.citizensbank.com ) *Per Citizen tax payed from escrow account *Per Citizen payment is filed through a 3rd party provider *Per County tax office taxes NOT payed XX/XX/2021 - XX/XX/2021 XXXXCall citirzen bank 20+ times ( 1-2 times a week ) trying to give this issue resolved XX/XX/2021 - XXXX XXXX Notified us they would put a lean on the house XX/XX/2021 - We wrote a personal check to pay the taxes. This action was taken after we called citizen and they told us to pay the balance due of $ XXXX+ in taxes to avoid the lean. 
XX/XX/2021 - Citizen will not refund us the $ for our personal check until the issue is fixed after telling us to pay the balance.

We have tried to fix this issue for 4+ months and have called them over 20 times. They have not done anything refuse to refund us our money. They have now lost or stolen $ XXXX+ from us.

How can they not be held accountable for fixing a accounting error they made. I just want my money back and to switch to any lender but them. Never do business with Citizen Bank.

Company response to consumer: Closed with explanation