BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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:
After going through a bankruptcy in XX/XX/XXXX I chose to use capital one to help and repair my credit. Advertising showed they had good cards and auto loan programs for people trying to make a fresh start for themselves. In XX/XX/XXXX I was able to get into a new vehicle with high interest through capital one. XX/XX/XXXX I was able to trade towards a nicer vehicle with much better interest but capital one reported me late for the final payment that was due on XX/XX/XXXX. They also allowed a second loan to be issued on this vehicle before paying off the other. After numerous disputes it still shows a negative mark on my credit. 

In XX/XX/XXXX I opened an unsecured capital one MasterCard with a {$300.00} starting limit. After 5 consecutive on time payments i was automatically increased to {$500.00}. I have maintained perfect payment history and have only paid the minimum for 3 of the 13 payments I have made. 5 payments were complete payoffs also so the balance hasnt always been carried. XX/XX/XXXX I asked for my first increase, 14 months after opening the card. Perfect payment history and recently paid down to 10 % before asking for increase. I was denied and sent a letter stating my average monthly payments were not enough. 

I made several calls to the customer service center and every time was told to just reapply using the automated system. I was also told every time you ask they have a department that looks through your credit report although it states a credit pill will not be used. I asked to speak with a supervisor on two occasions and was granted. First one was unable to answer any questions and was extremely rude. After asking him to cancel my card he closed my entire account. I called back the next day and explained the situation to several different people. Every time they would say, just reapply online, or the app, or I can transfer you to the automated system. Finally the second supervisor spent all this time looking into my account, reading though my private transaction history and making excuses about every question I asked. I asked several times for someone to explain the average monthly payment percentages to me but nobody was able too. I finally asked to speak with a higher up supervisor or manager to file a complaint and she told me that she was the highest one available. I explained I didnt feel comfortable filing an ethics complaint against the person who wanted to take my complaint. She refused to transfer me to another person or to a Human Resources department and finally hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Bread Financial Holdings, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over 10 phone calls on XX/XX/2022 alone. This amount of calls has been going on for weeks. I have not answered because I dont want the XXXX to start over. I have not received a letter to validate this debt either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX : XX/XX/2020 Amounts : {$2400.00} In accordance with the Fair Credit Reporting Act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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:
Bank of America is not applying payments on promotional offers according to 12 CFR Part 1026 properly. Section 1026.53 Allocation of Payments, ( b ) Special Rules, ( i ) Last 2 Billing Cycles " ... except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject first to the deferred interest or similar program ... '' and ( ii ) in the manner requested by the consumer. Our dozen other major credit card providers apply payments correctly. As BofA shareholders this is concerning due to the implied exposer to potential liability for the bank.

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 2022-05-26
Company: EQUIFAX, INC.
State: FL
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:
Department of Ed/XXXX  reported late payment on XX/XX/2018 for all loans when a forbearance request was submitted and approved. Loan company stated they would correct and remove late payment. They did not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Department of Ed/Aidvantage reported late payment on XX/XX/2018 for all loans when a forbearance request was submitted and approved. Loan company stated they would correct and remove late payment. They did not do it.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2022-04-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal closed my account for no reason.. they have further hold my funds for over 187 days without enabling ne to withdraw my money ( XXXXXXXX XXXX  ) i need help. 
" You can no longer do business with PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. 

You'll not be able to conduct any further business using PayPal.

Any bank or credit card information that's linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money. 

If you have funds in your PayPal balance, we'll hold it for up to 180 days. After that period, we'll email you with information on how to access your funds. 

We regret any inconvenience this may cause. '' my mail : - XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX, XXXX After driving across the XXXX in a XXXX loaded with over XXXX XXXX pounds, I backed into the receiver dock in XXXX . I shut off the lights, locks the doors, and laid down to get a three-hour nap before the receiver arrived to unload my trailer. Just before dosing off, I tried check my bank accounts that were taking a huge hit due to diesel prices reaching well over XXXX dollars a gallon. To my surprise, I was locked out of all my accounts. 

After spending about 20 minutes on the phone with US Bank, I was told that there was nothing they could do and it could take 24 hours to unlock. The Representative at US Bank said the same thing happened to her while at the airport. I reset my phone to the factory setting the previous day and US Bank said they did not recognize the device. 

Why could they not just ask me while I was on the phone if it was me who tried to log in? Other banking apps send an email or text if they suspect an unusual login they don't lock you completely out of your account. '' That afternoon I called US Bank again and was told it would be 24 hours before they could unlock the account and currently, no one is assigned to the case. 
The following day I called US Bank and was told that it was not 24 hours but 48 hours and the reason I was told 24 hours was due to the new undertrained employees. 
With no way to pay bills, check balances, and manage my accounts. 
I contacted US Bancorp 's Executive Communications Unit and XXXX XXXX XXXX responded saying she was looking into the 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 2023-06-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I DID NOT DISPUTE THE ACCOUNT ATTATCH TO THE LETTERS, AND I DID NOT XXXX TO DELETE MY ACCOUNT. PLEASE, I'M BEGGING YOU TO RE-INSERT IT TO MY ACCOUNT, 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 2023-06-25
Company: ALLY FINANCIAL INC.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for a promotional balance with Ally bank where they give you a % XXXX bonus upon putting money into the account and then keeping it there for a certain time period. So, I deposited my money, confirmed with their chat that I was enrolled in the plan, and then left my money there. But I never received the {$500.00} bonus. 

I contacted Ally many times. After communicating with them couple of time by message, they can't find any way to deny my bonus ( as I did transferred the money into my account and then opened a XXXX of {$50000.00} ). Then their agent told me that " Upon review of your profile, I can see that you were not enrolled in the Cash Bonus Promo. Therefore, you do not qualify for the 1 % payout ''. I asked them that " Are you sure that is the reason - you were not enrolled in the Cash Bonus Promo.? " Their agent responded that " After an extensive review of your profile, I can confirm with XXXX XXXX XXXX certainty that you were not enrolled in our cash bonus promotion. '' Ironically, I still have the confirmation email received on XX/XX/XXXX which is tiltled " Good news : You're enrolled in the cash bonus. '' ( attached ). After I sent the proof to Ally, their agent has nothing else to say but to tell me that he/she will submit a request with a reference number of XXXX. Several months went by, they told me the same thing when I asked the status - NO UPDATES as of XX/XX/XXXX. 

What a joke! If you can't afford the bonus, just don't do it. As customers did fulfil the requirements, we are deserved the bonus. Would you, Ally, only {$500.00}?

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 monetary relief
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/23, I noticed my credit score went down XXXX points which was alarming as I've been paying my XXXX  credit card on time and I have not been using it. I noticed there were XXXX hard checks done by XXXX XXXX and XXXX  XXXX XXXX and I did not contact those banks to open credit cards. I only have one card and I only need one card. The next day, there was also a credit check from XXXX XXXX XXXX I contacted the companies and they sent me to the credit bureaus to try and call them. I believe I was able to put a freeze on my credit accounts but I need these credit checks off my record. This has never happened to me before so I want to ensure I am taking the right steps to protect myself as well as get these off my record.

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 2023-07-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I Reached out to XXXX Equifax and XXXX in Attempt to get them to delete the account on XX/XX/23 and was told I still have A balance with XXXX XXXX account number XXXX which I do not. The account is completely paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: GA
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:
After obtaining a copy of my credit report, I exercised my right under 15 USC 1681I ( 5 ) to request that the credit bureaus verify the accuracy of the information contained within it. Despite waiting for 30 days, the results of the investigation remained unchanged. The consumer reporting agencies, including Equifax, XXXX, and XXXX, did not modify or remove any information from my report. 

I have identified several inaccuracies within my report, including the incorrect date open, date last active, and date of last payment. These errors constitute a violation and are preventing me from being able to purchase a home. The impact of these inaccuracies on my credit report is significant, and I am requesting that the credit bureaus take immediate action to correct these errors in accordance with the law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX DPT ED/XXXXXXXX LATE PAYMENT XXXX XXXX XXXX LATE PAYMENT XXXX XXXX XXXX LATE PAYMENT XXXX XXXX Balance {$2600.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A fraud charge in the amount of {$1200.00} to XXXX on XX/XX/XXXX was reported to Discover on or around XX/XX/XXXX, closed out shortly thereafter citing inconsistencies. As I explained to Discover rep ( s ), I did make a call prior asking about funds availability and advising a charge from XXXX might attempt for an amount in range of {$1300.00}, I was looking at a mini-bag at a boutique in XXXX XXXX, CA for my girlfriend, I decided not to purchase. The transaction in question came from a boutique in XXXX XXXX, CA, not XXXX XXXX, I explained to first rep in disputes XXXX does not offer refunds, only store credit, the XXXX rep I spoke with did not understand situation and I was unable to reach store manager at the time. The Discover rep referred to initial call I made asking about funds availability and charge from XXXX might attempt, did not understand matter. I made a second call, spoke with another Discover rep, whom referred back to conversation with first rep, did not understand charge is fraud and I did not provide card number to anyone at XXXX. Unable to file a claim with rep, I made a third call, explained and spoke with a XXXX whom opened a fraud claim, was explained I did not purchase anything at XXXX and did not provide my card number to anyone at the company. The fraud claim was closed out on Monday after, citing inconsistencies ... It appears they refer to first call made inquiring about funds availability and possible charge from XXXX, in case a fraud alert is raised. Please note, the prerecorded message when calling Discover states calls MAYBE monitored and recorded, not WILL BE monitored and recorded in which case my consent was not given to do so.. One of my attorneys listened to the message, agreed the language is not clear, Discover is not able to refer to such illegally recorded calls. Recently, I provided a tracking number received from XXXX for a package supposedly sent which was not received and has signature required on it, supposedly delivered on XX/XX/XXXX with no signature. I explained it appears someone intercepted package as most scammers like to do after making a fraud purchase, Discover reps did not seem to take this information into consideration.. I've contacted XXXX, filed a claim in an attempt to resolve fraud claim, however, it is not my responsibility to do so.. Discover should resolve such claims with merchants, not the customer. Further, they can not refer to illegally recorded calls without consent as basis for closing out claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX  data breach and may have got 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 non-monetary relief
Consumer complaint received 2018-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to modify my home loan with Bank of America. I filed all the paperwork required and was told I was denied a modification on XX/XX/2018. Other calls to the bank indicated the modification was with the investor and we were waiting for an answer. I can not get any straight answers from the bank. I am scared as my home has a sale date in less than 1 month. Bank of America has not been helpful at all. I keep getting the runaround.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: CO
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 have multiple fraudulent and unauthorized inquiries. I have submitted certified letters of disputes and still have not been removed

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 2023-06-26
Company: Experian Information Solutions Inc.
State: FL
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 a 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 instruction 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.

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