BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim XXXX was submitted to Capitol One regarding unauthorized charges on my account. On XX/XX/XXXX Capitol One reversed the credit issued stating the charge was valid. The charge of {$820.00} posted to my account on XXXX XXXX. On XX/XX/XXXX Capitol One issued the temporary credit for {$770.00} ad the charges should have been {$41.00} as per the merchant, Code XXXX XXXX. Capitol One was provided a copy of my drivers license and a itemized receipt, along with a signed copy of the debit card receipt. The signature is clearly NOT my signature. This is clearly evident as per the signature on my Drivers License and card receipt. The merchant never provided me with an itemized receipt or a debit card receipt. They stated the machine was broken. This is clearly fraud and Capitol One has an obligation to conduct a proper investigation and protect their customer. 

Last message sent to Capitol one on XX/XX/XXXX and have received NO response : I am writing again to request a copy of my SIGNED debit card payment receipt. I received the documents previously provided by Capitol One, none of which have my signature indicating my agreement for the charges. 

The establishment in question took my debit card and ID upon entering. Upon asking for my check, I was shown a handheld card reader machine with an amount and told it was in XXXX pesos. Nothing else was provided. 

The merchant CODE XXXX XXXX, requested to copy my identification and swipe my debit card upon entry into the establishment, and again when I requested to pay the charges. I was shown a handheld terminal screen and told the amount was in XXXX PESOS, not US dollars. 

The itemized receipt you provided is not a representation of what I ordered in the establishment. 

This is XXXX and I expect Capitol One to resolve it. I have no way of contacting the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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 Account Name : XXXX XXXX XXXX Has violated my rights. 


15 U.S.C 1681 section 602 A. states I Have the right to Privacy. 
15 U.S.C section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX XXXX Account Number : XXXX. I have tried everything to dispute this with the credit bureaus and they verified all of the information as accurate. I am working so hard to bye a house and keep running into problems. I WAS NOT EVEN IN COLLEGE IN 2019, I GRADUATED XXXX SCHOOL XXXX YEARS BEFORE THIS. I just got my reports and I think it is wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. *pay off disclosure *interest rate disclosure *balance history *payment history *credit insurance ( A ) In general 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 Thank you so much!

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 2021-04-02
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : Checking Account ending in XXXX My checking account is with Huntington National Bank and my Mortgage Loan is with XXXX XXXX XXXX. My monthly mortgage payments ( {$820.00} per month ) are set up to be automatically drafted from my Huntington checking account. Huntington bank returned my XXXX XXXX payment in error. After a lengthy research process by both banks, Huntington admitted making a mistake. My XXXX XXXX mortgage payment has also been returned for no reason. These late mortgage payments are ruining my credit and costing me money ; XXXX XXXX bank assesses a late fee of {$21.00} for each transaction. When I called XXXX XXXX bank to make payment, they charge a {$15.00} fee for each payment over the phone. Huntington bank has reversed the XXXX XXXX payment of {$820.00} but is yet to reverse the XXXX payment. All these transactions were properly posted to my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-30
Company: KEYCORP
State: PA
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:
These inquiries are unauthorized. 

KEY BANK XXXX XXXX XXXX XX/XX/2023 KEY BANK N.A. XX/XX/20XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau onXX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Comenity bank continues to call both me and my girlfriend over a debt that is owed by my niece XXXX XXXX of XXXX XXXX, XXXX. We live in XXXX XXXX XXXX XXXX and I don't even remember the last time I spoke to her and my GF has never even met the woman. I have repeatedly told them to remove my and my GFs phone number from their database but they continue to call us harassing us about getting in touch with XXXX. I have provided Comenity much detailed information including XXXX XXXX phone number and address, her husbands phone number and address, their XXXX pages, their business phone number and address and even their father 's phone number and email address. They refuse to stop calling us and it needs to stop. The phone number they are calling from is always different but they want us to call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: NY
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:
I feel like they ignored my prior requests for an investigation. I asked them to Please confirm how this account is showing as open when it is actually closed otherwise I will have to ask you to explain how it is reporting as accurate. 
XXXX XXXX XXXX  Account Number : XXXX If you are unable to verify the information that is contained in this account, then you are required to delete the account. 
also I get a copy of my credit report and found the following item ( XXXX ) to be in error : Previous Address ( es )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my consumer report on XX/XX/2023 XXXX noticed inquiries and wrong addresses on my consumer report. I filled out an FTC report explaining what happened and when I noticed these inquiries.I also noticed XXXX open installment accounts reporting. I contacted XXXX, Transunion, and XXXX to notify them of the fraudulent activities. I also asked to place a fraud alert on my consumer report. I also contacted the creditors and the creditors told me to contact the credit report agencies to notify them. I have attached my consumer report including my FTC report and my passport as my identification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have an excellent, almost unbelievable payment record. I have made many, many, many payments on time. Some of the payments are for a very large dollar value. I have almost no debt, in fact the only payment I need to make is my house payment. I pay off my XXXX XXXX balance every month to avoid interest. There were 3 late payments several years ago due to 5th 3rd bank forgetting to retain my credit overdraft protection when they came out with a new checking account product which I did not wish to sign up for, but they forced me to change to. Due to this, tiny ( and I do mean tiny ) infraction I have had a bad credit score since then. And I do consider anything less than excellent, a bad credit score. I have tried to remediate this with XXXX, but nothing works. My on-time payments eclipse anything else that could possibly be on my credit report, and I have NEVER failed to pay off a debt or any interest accrued. However, my credit rating hovers around the good mark. Please give an unbiased look into my payment history, and help me get back my excellent credit rating. Thank you. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i am a XXXX veteran and had gotten XXXX XXXX rating about 8 months ago. i am entitled to benifits including waving of fees for a resfinance of my house and property taxes. i also would not have to pay mortgage insurance. i applied for a refinance from my currnet mortgager lakeview loan servicing which handles my loan with loancare. i spoke to a representative named XXXX at lakeview who started y application over the phone i then was contacted by XXXX XXXX in an email and they set up an electronic application never heard or could contact XXXX from lakeview or could ever get a person on their phone system it hangsup on you after entering all your information. I tried to contact XXXX through phone all i got was emails that were frustrating. she would refuse to give me updates and would ask for things i didnt have knowledge of and then would berate me in the emails. It was like she was mad at me for something or didnt want to complete my va loan application i paid for termite report and gave her all documents she requested. i could never get a hold of her or get any answers to my questions. i asked for a supervisor and she never would give me number and their system doesnt allow for clients to file discrimation complaints or even talk to some one. Yesterday after 4 weeks of asking for updates and she would inform me underwriting had the docs she told me they closed the application because i would need to come up with XXXX to close the loan i had agreed to come up with any moneys needed when i spoke to XXXX. she never asked me or told me about the monies before she cancelled my application. I have the money and it apppears she was purposefully trying to keep me from getting loan, I asked her several months in a row not to waste my time if she didnt know how to process a va loan. i believe she discriminated against me because she was mean and nasty in her emails and refused to communicate clearly or would ignore my answers. i have tried to talk to supervisors and she even told me one would contact me and no one ever did. i left messages for XXXX supervisor and XXXX XXXX supervisor and no one has contacted me to even explain what happed. it appears she had not done here job and i am being punished for it by her personally and am asking that someone reivew my application and the process taken i lost my rate guarantee and she said i could reapply with new rate. i would never use this company again for anything unfortunaltyl i do have a choice who serivices my loan and from my research it apperar this compant has many complaints like mine all over. please help me since i am XXXX and have a hard time trying to deal with this 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 2019-11-23
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I recently received notice from my mortgage company, Flagstar Bank, that my payment is increasing due to an escrow shortage. While I understand that this may happen, there is no explanation for the increase. The notice states there were was an increase in escrowed items, however there has been no increases in my property taxes. I have been unable to reach my mortgage company during their business hours despite several attempts. I need help getting this resolved as soon as possible as my payment has increased by over {$300.00} a month and I am unable to any answers.

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 2021-05-08
Company: Experian Information Solutions Inc.
State: MA
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:
Dear Credit Bureau/CFPB ; Listen, Im still shocked, stressed, & perplexed on the way that these accounts continues to report on my credit report. Ive contacted each of these accounts listed and screenshot showing the errors on the way its reporting. Its impossible that you conducted a reasonable investigation on each of these accounts because it continues to report multiple inaccuracies, misleading information, and inconsistent with payment status and history. There are different dates of last active, last reported, last payment, dates of 1st delinquencies, etc. Impossible. Its my understanding after I download the FCRA law and guidelines that consumer credit report needs to ensure that everything is reporting 100 % accurate, 100 % timely, and 100 % verifiable. Well, these accounts are not verifiable due to these violations I mentioned and it continues to illegally re-aged them.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$730.00} XXXX  XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-12-12
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CDA-Certificate of Deposit, Passbook Account XXXX XXXX, XXXX was bought by Wells Fargo. My mother Died on XX/XX/2018. I believe the account was never closed. I contacted Wells Fargo to collect the funds and they have been stone walling me and say that they don't have the account. They have basically stolen the funds from my family. I have talked to a dozen people at Wells Fargo. They say they will call me back the next day and Never do. They lie and say they are doing things to find out the documentation but Never do! I have set up multiple case numbers for them to find out what happened. The latest was XXXX # XXXX. The last gentleman I talked to said his boss told him to tell me my next step would be to sue them. They have stolen at least {$15000.00} I need your help with this Horrible so called bank Wells Fargo! My name is XXXX XXXX, XXXX, XXXX. I am the son of XXXX XXXX. I am listed as a XXXX on the account.I am the XXXX of the will. Wells Fargo refuses to pay out the passbook savings account! The Criminals Wells Fargo sent the CFPB a cover their but letter that said NOTHING and for some reason the CFPB closed the review. This needs to be OPENED and the Wells Fargo CRIMINALS need to be brought to Justice Now! 
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 2023-02-03
Company: EQUIFAX, INC.
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I review my credit report and the following items are not mine. 

Also my fico credit score decreases with items it should increase with. 

Credit card theft XXXXXXXX XXXX Credit card - open XX/XX/2019. For XXXX XXXX credit card - opened XX/XX/2019 For XXXX Inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2023-04-09
Company: SYNCHRONY FINANCIAL
State: TN
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 was charged more than what I owe. The amount they charged me is XXXX dollars this month on my Paypal Mastercard credit card. My last month due was XXXX on XXXX XXXX. 
My payment of XXXX dollars was returned. They charged me return fees of XXXX but refunded it. 
However they billed me XXXX dollars this month. I have not used this card after XXXX XXXX so this billed amount is wrong. I tried to talk to PayPal but they are not helping me. 

Also they made some fake charges on my account for example XXXX dollars charge. They made this charge serval time

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