BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, My complaint is with Capital One Bank. I am a sole proprietor of an online retail store that started in XX/XX/XXXX. I applied for the SBA PPP loan in XX/XX/XXXX to help continue business operations. I was approved and had my funds deposited into my person checking account because I do not have a business checking account. The funds were deposited on XX/XX/XXXX to my XXXX Capital One Checking Account. As I began to use the funds to make payments my account was placed on hold. I was not able to withdraw money or use my debit card. The bank stated they have to verify that my business was legitimate. Though this was already verified through the SBA, I complied and sent over my XXXX Tax Return, which included my Schedule-C for my business, my loan agreement, my EIN letter, and link to my website. Each time I call they state they are still investigating but I believe this is untrue. There is nothing further to investigate if the question is of legitimacy of my business. I have provided more than enough evidence to validate its existence and operations. 

It is unfair because I am in need of accessing my funds to continue running my business and have a legal right to the funds as well as a financial obligation to pay it back. I also have funds still being deposited aside from the loan that they are also holding from my usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: MIDFIRST BANK
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
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:
Midland mortgage has consistently reported me as not paying my mortgage while on a forbearance. I have disputed it with all three credit bureaus and they've answered and their answers still remains the same

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 2022-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I deposited a cashiers check into a personal checking account at Bank of America, in person, with a deposit slip. As of XX/XX/2022, the funds are not available and will be held until XX/XX/2022. I advised the manager XXXX XXXX of CFR 229.10 ( c ) ( 1 ) ( v ) and that the bank was in violation of the Next Day Availability and she said she doesn't follow federal law, she follows bank policy.

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 2019-11-19
Company: Carvana Group, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to apply for an account with carvana ; when the identity verification came up, none of the questions apply to me and I have my XXXX  credit report to prove it. However, when I called to speak with customer service, they refused to help me. The information contained in my XXXX  credit report is incorrect and is preventing me from pulling a new credit report with XXXX, Carvana, nor was I able to use XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: WELLS FARGO & COMPANY
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:
According to fcra accounts must report 100 % accuracy the payment history is completely inaccurate and looks like Wells Fargo is reporting the account chargeoff EVERY MONTH EVENTHOUGH ACCOUNT CLOSED A PURS VIOLATION INACCURATE reporting not to mention. The days are showing 30 60 XXXX  XXXX  how does that make since???

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 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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've paid all accounts in full and its listed on report as closed also my credit score has not changed in 3 months or more I contacted them several times but it still doesn't change XXXX XXXX is not reporting correctly

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 2023-02-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I sent out two letters dated XX/XX/XXXX via certified mail numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to have inaccurate items removed from my credit report. Those items were XXXX XXXX XXXX  XXXX self reported. Those are items I do not recognize. They could possibly be a result of Identity theft. Equifax has not provided the method of assessment to indicate that those items belong on my credit report and therefore they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a notification that my credit score had dramatically dropped. I have not had any new loans and all my loans are in forbearance and at zero percent interest due to covid. I have even paid off two student loans during this year. There was a new balance of {$1600.00} applied and showed on my XXXX report and when I called them on XX/XX/2020 and spoke to XXXX at XXXX they had no record of it. I have the phone call recorded as well. They have nobody I can speak with over the phone and I have to mail in a dispute for a reporting error they did that greatly affects my credit score. I know there are many lawsuits against them. This is a racket. It is absolutely insane to me that the government guarantees these loans with no real oversight of the companies and their predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Online Payment XXXX To XXXX XXXX XXXX XX/XX/XXXX Bill payment {$89.00}. I deleted all the payments in the system made to XXXX XXXX. I called XXXX XXXX and asked if they could reverse the payment. They informed me they would bill a {$25.00} dollar charge if they did. I informed the representative that it would be okay. The representative came back and stated he could not or did not want to reverse the payment. I worked for a XXXX XXXX, XXXX XXXX and they have that option in their system. The representative told me to call the bank. I called the bank and the representative informed me that she was unwilling to reverse the charge. I would like to inquire as to why I am not getting proper treatment.The banking institution is Chase Bank. Please assist me I know there are consumer laws in texas and consumer rights. I feel this is harassment and discrimination because of the previous complaints that I have filed with the bank. I have been informed by banking representatives that because I am not XXXX they would not assist me. I have made request for disputes and the representatives are rude and play games over the phone. I called and complained about these representatives and this is the outcome of my complaints. What banking regulations would allow that I consumer not be able to have a charge reversed. Please Assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2021-10-24
Company: IOWA MORTGAGE SOLUTIONS INC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX - We started the process of getting a mortgage with Iowa Mortgage Solutions XXXX 

XX/XX/XXXX- We started looking for other companies as we were not making any progress on closing the loan with Iowa Mortgage Solutions. 

XX/XX/XXXX - Asked Iowa Mortgage Solutions not to order the appraisal as we started looking for other mortgages XXXX XX/XX/XXXX- We found a new mortgage company and started the process of getting a loan through them. 

XX/XX/XXXX - XXXX Iowa Mortgage solutions to remove all of our personal information and that we will not be continuing our loan through them. 

XX/XX/XXXX - Iowa Mortgage Solutions inquired on our credit using XXXX XXXX XXXX. I Spoke to XXXX XXXX and they confirmed that it was Iowa Mortgage Solutions that inquired on our credit. 

XX/XX/XXXX - Filled out the form that Iowa Mortgage Solutions needed to send to XXXX XXXX to remove these fraudulent inquiries. 

For 6 months I have been trying to get this inquiry off of my wife and my credit report. I have filled out a form from XXXX XXXX and given it to Iowa Mortgage Solutions to send in to XXXX XXXX to get them removed. I have had phone calls with Iowa Mortgage solutions informing me that they will do it the next day. Weeks/months pass with no information from Iowa Mortgage Solutions XXXX Then when I get a hold of them again no progress has been made. When I called XXXX XXXX they informed me the process is not very difficult. I would like to get the fraudulent inquiries that Iowa Mortgage Solutions made on our credit removed from my wife and my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 442644 has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Dear Sir/Madam : I contacted my " Capital One '' XXXX XXXX after receiving alerts on my account ; of charges denied due to lack of funds. I reported the findings &, received a letter stating funds from unauthorized charges would be credited back. Told to destroy card & new one would be mailed. New statement showed new charges ; which I also reported. I was recharged for the previous charges because they said card was in my possession, & were face to face transactions. Explained no one had permission to use my card for any of these transactions, & I was hospitalized for two charges, and I am homebound.. How can I find out who completed & attempted these transactions.What actions should I take to get reimbursed for these fraudulent charges. 
How can I protect myself & others against the fraudulent claim regarding {$0.00} liability against fraud which obviously didn't work in my behalf & I. am certain I'm not the only victim ..... I also use. the RFID card protector sleeves for my credit cards since they are suppose to offer a measure of protection.. How do I correct these " POP 's ''? ( Pile of Problems )?? I believe Capital One CC Svcs should be investigated by the Georgia Attorney General to ensure that this unconscionable practice isn't happening to other consumers and. they should be fined for each individual transaction they held the consumers accountable for including any interest accrued. They should also be required to pay restitution for the pain and suffering caused to each victim of the fraudsters and a company that chooses to not stand by their widely advertised " XXXX liability '', policy... .And make a payment to a fund or group that serves to protect, educate and make publicly known these undesirable tactics against unknowing consumers... Capital One should be held accountable for their unacceptable practice of doing business ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I am writing to you regarding the recent blockage and limitation placed on my newly registered PayPal account. I would like to bring to your attention the fact that I am a new user on your platform and have not engaged in any activities that could have violated PayPal 's terms and policies. 

I understand that PayPal has strict security measures in place to protect its users, and I appreciate your efforts in ensuring a safe environment for online transactions. However, I believe there may have been a misunderstanding or an error in the assessment of my account.

I kindly request you to review my account and provide me with the specific reasons for the blockage and limitation. As a new user, I have not had the opportunity to make any transactions or perform any actions that could raise concerns. I am committed to abiding by PayPal 's rules and regulations and would like to resolve this matter promptly. 

I am more than willing to provide any additional information or documentation that may be required to verify my identity and regain full access to my account. Please let me know the necessary steps I need to take to rectify this situation. 

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving the issue and allowing me to fully utilize the PayPal services. Please feel free to contact me if you require any further information. 

Yours sincerely, XXXX XXXX E-mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: DISCOVER BANK
State: CT
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:
This complaint relates to a practice of Discover Card, which I believe is a standard practice in the industry - namely that credit card interest rates are automatically raised to penalty rate levels if a customer is late with payments and/or exceeds his/her credit line, but are NOT  RESET to lower levels once an account is back in good standing. 

During a period of time when I was self-employed between XX/XX/XXXXand XX/XX/XXXX, I had some occasions when I was not able to make timely payments. As a consequence, the interest rate on my account was increased to 29.99 %. Over the past several years, I paid down the balance on my account and put the account on automatic payment so that {$450.00} or the minimum payment would be made each month. I have had this arrangement in place for at least the past four years - if not longer. For example, my account balance as of XX/XX/XXXX was XXXX against a credit line of {$15000.00}. XXXX payments of {$450.00} per month were being made. At that time, the interest rate on the account was still 29.99 %. My credit score, by the way, according to my statement from Discover was XXXX. I should note that this is the only credit card I have and that my only other debt was a car loan which is also paid automatically from my checking account. 

I did check with Discover at the time to see about reducing the rate on the account but received no satisfaction. 

I have maintained the account in good standing since that time. I have used the card more heavily in the last 15 months partly on account of unexpected travel and partly because I was moving away from using my debit card because of some fraudulent transactions on that card and the general advice not to use a debit card for expenses. As a consequence, the balance increased on the card. However, due to the 29.99 % interest rate, the balance grew more rapidly than I expected since so much of my automatic payments were going to interest. For my statement ending XX/XX/XXXX, the balance on my account was {$18000.00} against a credit line of {$18000.00}. The minimum monthly payment of {$510.00} included a charge of {$490.00} for interest for the month - still being charge at 29.99 %. 

My complaint is this : how is it a fair business practice - or in the interests of promoting prudent financial practices among customers - for a credit card company to have automatic programs for raising interest rates to penalty rates and yet have no programs for the reduction of those rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-07-26
Company: Experian Information Solutions 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 information incorrect

Complaint:
The Credit bureaus stated " my account was properly investigated '' but I'm not sure if that is accurate if the open date, last reported, comments, and date last active are inaccurate. I have attached snippets of 3 different items across all 3 credit bureaus that are clearly inaccurate. This is simply ground for removal. 

The Credit Bureaus also violated my rights under : 15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions. 

The Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief