BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX   XXXX ,  2017  I applied online for  a Khol 's Dep artment store credit card. I answered some fraud information questions and at the end of the application it stated I would receive a letter in 10 days. On  XXXX   XXXX ,  2017  I received a letter from Kohl 's stating " unable to verify fraud information '' and was denied credit. I called the company and asked why was I denied credit because Kohl 's did not make an attempt to telephone me to verify my identity due to a fraud alert on my credit file. The Representative was agitated and stated there was nothing she could do and the decision was final. I re-applied a week after that for credit, answered the identity questions, and once again, I received a letter on  XXXX   XXXX ,  2017  stating " Unable to verify fraud information ''. I never received a telephone call to verify my identity. Kohl 's department  Store  deliberately denied me credit. They have improperly used my credit report and fraud alert information. Kohl 's is refusing to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to get you to accurately report mortgage information for a year. You have continuously ignored my full payment of home insurance for XX/XX/XXXX to XX/XX/XXXX, you ignore my bank statement proving I paid it, you ignore the XXXX co reciept of payment for a year, you ignore the cancelation of escrow letters proving there is no escrow, and you have sided with the company repeatedly and unstoppably for a year. The XXXX loan never had an escrow, it was canceled prior to and after they purchased the debt. XXXX has NEVER provided you with proof of payment to my home insurance XXXX XXXX. But u always side with them. I have filed suit against them in state court and they have been served. I hope you will provide me with the evidence they used to affirm their inaccurate debt reporting. I hope its not just their word for it. You know I have subpoena power but that is costly and burdensome to me the victim of their illegal harmful conduct this last year. So please I beg you to help me find out what they gave you to repeatedly affirm the inaccurate debt. Please please please provide the evidence here. 

My complaint explains the inaccurate credit reporting for the last year. Cause XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. The coding on this item is incorrect and stuck in past due status. This is a F.C.R.A. violation and is mandated to be corrected and/or completely removed from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-10-26
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I recently won a $ XXXX {$9.00} XXXX default judgment against the XXXX  XXXX XXXX XXXX from The Honorable Judge XXXX XXXX in the State of Mississippi XXXX XXXX for XXXX XXXX XXXX No. XXXX. 

I sent AmEx the Default Judgement award at the XXXX email. 

I am a Platinum Card holder at XXXX, and I have to financial hardship primarily because of my environment and future career prospects. 

I am hoping because of my Platinum status that AmEx advertises and contracts for is like no other and a card that I can never loose, like all similarly situated customers, that my Platinum card membership would remain active, even I can not have new charges on it. Although, I think the Platinum card allow up to $ XXXX in charges before being frozen or sent to collection. 



XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the XXXX  XXXX card with Bank of America. I was denied even though I have very excellent credit and a very low credit utilization. 

I've had a working relationship with Bank of America since 2015. I can provide pay statements and asset history as I make well over $ XXXX a year. I hardly have that many inquiries on my credit report and I really wanted to use this card as I'm traveling more for work now.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: NJ
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:
This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit union provides a service to view my credit score every month. In XXXX I viewed my credit score and it was downgraded by XXXX points, from XXXX to XXXX. I was surprised because I have been steadily improving my credit score by paying my XXXX credit cards off every month to zero balance and using less that XXXX XXXX of my available credit every month. This is what I was told to do by the credit reporting agency. I contacted them via their XXXX XXXX since that was the only customer service I could find and after XXXX weeks of communicating with me the only thing I could get out of them was 'how they computed the scores '. I pointed out to them that my scores have been steadily going up and I had a 'XXXX ' score for Payment History, an XXXX ' score for Credit Usage, a XXXX ' score for Account Mix, a XXXX ' score for Credit Age, and an XXXX ' score for Inquiries. I pointed out that my XXXX score was XXXX. I pointed out that nothing had really changed in my credit reporting except that I was staying under XXXX XXXX  credit usage and paying off my credit cards every month. I talked to a supervisor and she said to call their 'Corporate Escalations Team ' so I did but they would never answer the phone and sometimes called me back when I was unavailable so I would call them back but they never answered the phone with a live person. So I could never explain to them my complaint. I am severely impacted by this XXXX point downgrade because I am doing exactly what they told me to do, and I am working hard to get my credit score improving so that I can have better credit and then they downgrade me by XXXX points for nothing. When I was communicating with them through XXXX I asked them to tell me why I was downgraded and they never gave me any explanation at all that made sense. All they kept telling me was how they computed credit scores. I would like to talk to their 'Corporate Escalations Team ' but they never answer the phone,, they always call me back once and I have so far missed their calls. I want them to reverse the XXXX point downgrade and, in fact, I want them to adjust my score to over XXXX because I am using my credit responsibly and am doing exactly what they tell me to do, I use less than 30 % of my credit and I pay off my credit cards to zero every month. 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 non-monetary relief
Consumer complaint received 2020-03-25
Company: Kriya Capital, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
On XX/XX/XXXX I received a letter from Credence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. On XX/XX/XXXX my representative reply back to the letter. In the letter, we/I were requesting proof of verification sign documents and etc of this debt within 30 days. Which we/I have not received them and it has been over 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
From my previous complaint I have tried Numerous times to contact the Email i was given from Chrysler Capital and have yet to receive a response. I keep getting the run around when i contact the finance company I have VISUAL proof showing the XXXX company taking my vehicle stating it was in FACT Chrysler Capital who sent the XXXX XX/XX/2023 yet no one from Chrysler Capital has any notes or paper work stating it was taken this is getting very irritating and causing me much stress to where i am losing sleep and hair, i wake up at all times of the night checking to see if my car is still in the drive way I dont know who took my car that day cause Chrysler Capital doesnt know who it was either for all i know it could have been someone trying to steal my XXXX. My XXXX  app caught the tow truck company taking my vehicle and now its having issues that Chrysler Capital does not want to help me with, i am coming up on the end of my lease and need to get this situation taken care of as soon as possible. I have NO letters No EMails no kind of documentation since the initial day i contacted Chrysler Capital! this is ridiculous this is the email i was given from CFPB along with the video evidence i sent them. it has now been XXXX emails with videos and no response! : XXXX XXXX XXXX # XXXX cfpb complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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:
A collection should never show as a open account, on a credit report and should never have a past due balance as you can see on page XXXX of my Equifax credit report. 
XXXX Acct # XXXX have these errors, everything on a credit report must be 100 % accurate if not it must be deleted. 
By Law 15 USC 1681s-2 Responsipilities of furnishers of reporting information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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 As you can see in complaint XXXX, they knew of this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Incomm Holdings Inc.
State: WA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I purchased a Vanilla Visa Gift Card from a grocery store. Tried using it and it was declined. Called and was told the car was put on hold. I asked for a refund. I was told that I need to send an email including a copy of the card ( front and back ), proof of purchase and to include my name and mailing address which I sent on XX/XX/2023. 

On XX/XX/2023, I received an email saying that they received and reviewed the information provided but can't locate the account and asking me for an 8 digit case number. Called them and spoke with three different representatives who are based in XXXX and they can't fix anything after spending over two hours on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: NJ
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 a problem retrieving my Equifax credit report under the FCRA I am registered with Equifax ( My Equifax ) membership service that enables consumers to view there Credit Report and submit disputes. There is a block on my report that XXXX XXXX, Equifax, Any other third party credit score services are not able to get an updated report of mine. 

The MyEquifax username is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
On or around XX/XX/XXXX i noticed a charge on my Bank of America card for {$300.00} that I did not make from XXXX XXXX. I immediately phoned the bank to stop payment and to cancel my credit card. The charge was removed and 2 weeks later re-added. I phoned the company again asking why it was added, they claimed that it was an " error ''. However, the charge was never removed. 
I took the next step to phone XXXX XXXX about the charge. They admitted that this was a fraudulent charge and that they would take care of it with Bank of America to credit my account. I immediately phoned Bank of America with the necessary information. 
I received a letter from Bank of America stating " Our decision hasn't changed. '' I called them again and reminded them that I provided them, Bank of America, all of the information for my fraud claim, they said that " we are getting closer to a resolution in your favor ''. 
2 weeks later, I have another letter saying that this is not in " my favor ''. I phoned XXXX XXXX as to why I did not receive a check for the amount that I did not charge. Still no resolution from either, and I am still out {$300.00}. 
I asked Bank of America for a copy of the call log, they have not provided this. I can not speak to anyone, I am on hold for hours. I need help. It's no longer the money, it's the principal and what these people are allowed to do to innocent customers. 
Not sure where to go from here, I appreciate any help you can provide.

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 2023-10-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my balance in full using my debit card for XXXX on XX/XX/XXXX. When paying by debit card the funds come out of an account when the purchase is made. However Lowes XXXX refuses to process the payment until an undisclosed time in XXXX per the manager. When I asked why she stated because XXXX is a large amount. When I explained that by not processing the payment when made the debt would still show on my credit report for another month as owed, that the debt would impact my debt to income ratio, and that I believed this violates fair lending laws she responded this is how we do the payments. When I explained to her that by not processing the payment I would continue to be charged per diem interest she said this would not happen. I am complaining because I paid the amount owed in good faith and it should be processed when presented

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was a victim of identity theft, pursuant to 18 USC 1028A. Please delete these inquiries from XXXX, XXXX, And XXXX, or your agency is violating the Fair Credit Reporting Act block of information section which is 15 USC 1681 c-2, which states these inquiries must be deleted within 4 days of receipt of this identity theft report. 

Capital One, Cap One NA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1980 Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer. 

In this regard, I would like to point out that the late payment accounts reported by XXXX and XXXX  XXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 

Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 

I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 



Thank you for your attention to this matter. 



Sincerely, 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 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
YOUR COMPLAINT Since XXXX, I have been building back my life when Bank of America included many fees that ultimately affect my savings and checking and deleted my account before hand to hide the evidence I had over {$200000.00} put into Bank of America which I regret because of the decease of funds I lost my home, children and well-being. I opened an account with Bank of America in XXXX and in XXXX over the course of being with Bank of America my funds dropped due to fees. I tried to dispute the issue with Bank of America but they did nothing to find a resolution with the matter. XXXX years later, I tried again to talk to a represent and I was informed by Bank of America would handle it by getting this issue fixed with the CFPB which they did not do. I called CFPB on XX/XX/XXXX and was informed by the cfp. nothing was done by Bank of America. I even just found out I was supposed to have a gold XXXX XXXX card through legal zoom and a money card that I never received nor knew about because of this constant distraction that has ruined my life and sent me through a dark 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