BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Hi, I applied for Capital One Venture X credit card by mid-XX/XX/2023 and I received an email on XX/XX/XXXX to upload my documents by validating my login using my SSN, when I tried logging in with my my SSN it didn't successfully validate it and I tried reaching their Customer service phone even during which my SSN validation was unsuccessful after several minutes a rep answered my phone and told me to mail the documents ( Passport copy and DL copy ) to a po box , which I did by spending almost {$20.00} for mailing cost. 

On XX/XX/XXXX, I received a confirmation email from Capital One that the document were received and they are processing it. On XX/XX/XXXX, I called Capital One customer service ( with unsuccessful try with my SSN validation over the phone ) and was able to connect with a rep to get a status that they received my documents but no processing has happened at the back-end, which she was going to escalate. 

After two weeks on XX/XX/XXXX, I called Capital One Venture X credit card customer service to check the status ( again with unsuccessful try with my SSN validation over the phone ) and after 40 mins of wait time a supervisor told me that my documents were not clear for processing, i should mail them again for processing, which really frustrated me for two reasons ; 1. Capital One did not notify me that my documents were not legible and I had to call them. 

2. I'm sure, I sent clear documents and why would they not process it. 

I told them, I can not spend another {$20.00} for mail of documents which am afraid they would again say it wasn't clear and I don't have any option to send fax so I requested that whether I could drop my documents at one of their branches, to which the supervisor said they don't process the documents in a Branch. 

This was quite wiered response and I felt that Capital One is doing a scam on Credit card application processing with consumers and they are also making the consumers liable with unnecessary credit check hit on SSN ( which they've already did on my SSN back in XX/XX/2023 ). 

Attached email confirmation from Capital One on my document upload has my application number. 

Pls contact me for further details and kindly take necessary steps to resolve this issue and save consumers from these kind of scams from Capital One credit card. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: JPMORGAN CHASE & CO.
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 made major error when I reported a incorrect 5plus year old item on my report. They proceeded to mishandle the dispute which resulted in a 2nd error dated as XX/XX/XXXX on an account that was paid in full and closed in XX/XX/XXXX. When contacted XXXX did their typical " its not our error '' and blamed it on the JPMC Chase who owned the completed and paid account in XX/XX/XXXX. 

Credit reporting bureaus make mistakes constantly and then are slow and bureaucratic removing errors. In this case XXXX processed the dispute incorrectly and posted a 60 day late delinquency on XX/XX/XXXX credited to XX/XX/XXXX on an account paid in full XX/XX/XXXX - over 5 year prior. 

XXXX is in violation of the FCRA is posting incorrect information and promptly blaming other institutions for their mistakes and illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Resurgent Capital Services L.P.
State: MI
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 XXXX. 
XXXX, MI XXXX XX/XX/2023 Compliance Department XXXX XXXX Attn : Compliance XXXX XXXX XXXX XXXX, SC XXXX RE : Requesting a Method of Validation Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

Collection Agency : LVNV Funding LLC ( LVNV ) Account Number ( s ) : A : ) XXXX B : ) XXXX I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

Please provide the following : 1. Validation of the debt -- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 


Very Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I scheduled ONE time payment to my XXXX credit card of {$300.00} on XXXX XXXX 2019. Bank of America charged me {$35.00} overdraft fee DOUBLE time instead of one time. So instead of {$35.00} overdraft fee Bank of America charged me {$70.00} for ONE time scheduled payment. 

This is my second time I'm writing here for this exact issue because previous last time I been ignored and the reply that I see here in this site from Bank of America is false. It says : " The company sent the response directly to the consumer because it could not confirm who submitted this complaint ... ''. First, I haven't got anything directly. Second, how could Bank of America could not confirm who is submitting this complaint if I'm showing in here my name, my bank account, my address, etc. I can't explain this sort of reply like anything but simple ignoring my complaint and rejecting to do anything in order to solve an issue as Bank of America normally do.

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 2023-11-01
Company: EQUIFAX, INC.
State: LA
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:
To Whom It May Concern My XXXX credit card history has not updated on my consumer credit report since XX/XX/XXXX On my billing cycle for XXXX I had a new balance of {$3800.00} the payment was due by XX/XX/XXXX I paid the balance in full on XX/XX/XXXX from my personal bank account ending in XXXX. 

My account number thats on my billing statement and the balance latter is XXXX but the account number thats being reported to EQUIFAX, XXXX XXXX XXXX is XXXX XXXX XXXX XXXX has been reporting this inaccurate account number to EQUIFAX, XXXX & XXXX since XX/XX/XXXX. 

My credit score has been negatively impacted due to the inaccurate reporting for the past two years. 

Please ( UPDATED ) the correct account number XXXX to EQUIFAX, XXXX XXXX XXXX immediately to a XXXX balance!!! 

Also my credit card statement from XXXX has a new balance of $ XXXX I have reached out to XXXX credit card support team on several occasions for balance letters while inquiring when the credit card XXXX balance will update not knowing XXXX has been reporting the incorrect account information on my consumer credit report. It has already been 2 full months and 2 week since XXXX last update to my consumer, credit report which includes XXXX, Equifax, and XXXX. 

Ive notified XXXX support services XXXX, Equifax, XXXX through a certified letters with tracking to support my claim. 

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U. S. C. 1681s-2 et seq., including but not limited to : Accuracy and fairness of credit reporting according to 15 U. S. C. 1681 Section 602 ( a ) Reporting information with actual knowledge of errors : 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. 

Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency. 

( i ) If the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( XXXX ) Duty to correct and update information : XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies * Accurate Account Number # XXXX Thats on my statements each month for the past 2 years. 

* Inaccurate Account Number # XXXX thats reporting on my consumer report for the past 2 years. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: BAM Management US Holdings Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire transfer for {$6000.00} from XXXX to Binance.us on XX/XX/21. Their website states that it takes XXXX days XXXX for a wire transfer to clear. The funds were immediately taken from my XXXX account on XX/XX/21 and still haven't been made available on XXXX XXXX XX/XX/21 XXXX. 

I've tried to contact XXXX  on a daily basis, only to be sent automated messages by their nonexistent customer service department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to deposit two checks through SunTrust 's mobile deposit on their app on XX/XX/19. I was immediately notified of a hold being placed on one check, a personal check. For the second check, a cashier 's check, I received an email saying it would process on that same date, XX/XX/19. My account was frozen the next day and with no notice to me. I called them the following day, XX/XX/19, to inquire why I could not access my account and they told me it was under review and that they could not disclose any other information but I should get a letter in the mail. The next letter I got in the mail was in reference to the two checks and it told me those funds were both subject to hold but would be available on XX/XX/19. On XX/XX/19 I called again to find out the status of my account and was told it was still under review. I spoke with someone on XX/XX/19 who informed me my account was closed and they had mailed a check with my balance and that balance did not include the two checks that I had attempted to deposit through mobile deposit. I was told those checks were still on hold because of suspected fraud and they did not have a time those funds would be released but it could be months later. I asked them to attempt to get a better idea of how long it would take and she said she would try to pass that request along. I called again on XX/XX/19 to see if there was an update on my two checks and there was not. Also this supervisor told me this could take up to a year to resolve and once this had been passed on to the fraud department it did not have to be within the 9 days laid out by the Expedited Funds Availability Act. These two checks are under {$1000.00} each and it has been 17 business days since my attempted deposit and 11 business days after they said the funds would be available.

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 2022-05-17
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for J C Penny credit card. My social security number was already used by a woman named XXXX XXXX. My application was denied. They would give me no information on XXXX XXXX other than her name. We contacted the fraud department for J C Penny to try to clear the matter up. The girl on the phone said that Social Security office often duplicates Social Security numbers. She did nothing to help. The person working in that department needs to be educated on Identity theft. She said to call our Social Security Office. I have been left on my own to try to resolve this issue.

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 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 was victim of identity theft and filed a dispute with 3 companies and hard credit inquiry that didnt come off my report and XXXX credit card in my name as well. they didnt remove anything from my 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 2023-11-01
Company: Experian Information Solutions Inc.
State: LA
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:
There are plenty of incidences of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX  XXXX Late Payment {$29000.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Collection {$850.00} XXXX XXXX XXXX XXXX Collection {$850.00} XXXX  XXXX XXXX Charge-off {$810.00}

Company response to consumer: In progress
Consumer complaint received 2023-07-26
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: Information belongs to someone else

Complaint:
I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that need to be removed from my credit file right away : XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance XXXX : {$2900.00} ; XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$880.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: DISCOVER BANK
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:
I have a credit card with discover and recently I noticed they were reporting my utilization which is a violation of the FCRA. 15 USC 1681a ( 2 ) ( A ) ( i ) states that consumer reports does not include information solely as to transactions or experiences. Utilization is an experience and transaction between me and discover and should not be on my consumer report. please remove the utilization from my credit report. 

This has greatly effected my credit worthiness and my reputation as I am in the process of buying a home and this illegal reporting of my experiences is preventing me from doing so. 





Account name- Discover Bank Account number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are multiple inquiries & an account from XXXX XXXX XXXX on my Report I do not recognize

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 2019-07-01
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I signed up for an Income-Driven Repayment Program in XXXX, 2017. I was able to keep those payments current until I was forced to take a XXXX  XXXX from my job. When I contacted Navient to report that I would be unable to make my payments, I discovered that my payments actually increased ( which I was never told ) and they gave me no other options that could help my situation. 

I have repeatedly reported to Navient that I have XXXX  XXXX XXXX XXXX XXXX and am struggling physically, emotionally and financially. Meanwhile, they continue to harass me. I was just given an ultimatum that I needed to pay {$6300.00} by this past Friday or I would be facing legal consequences. All the while I keep repeating to them that I just don't have the funds. 

Please help.

Company response to consumer: Closed with explanation