BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Back in XX/XX/2018 I made a payment on capitol ones mobile app. The app showed that the payment had went through. It credited my account the money and my credit linit showed XXXX again. This was my first true credit card. So i was unaware that some card companys for whhatever reason will sometimes take several days to pull this money from your bank account. I stupidly assumed that the payment had cleared my bank account based on the app showing my credit line was restored to the original amount. I was wrong. By the time the payment did go through my bank the money was not there. I do accept responsibility. I should have checked my BANK ACCOUNT and not relied on the capitol one mobile app. BUT my problem is this ... when the payment did not go through i had already used my credit card again. So when capitol one didnt receive the payment they tacked it back onto my card so now i owed them over 300 dollars on a XXXX dollar credit limit card. To my credit. The payment that was attempted was 3 weeks EARLY. I immediatly started paying the owed amount down. The entire time i had this card i NEVER missed or was late on a payment. Even after they put a hold on my card and informed me that i was fraduently using my card??? How am I a fraudulent user? I made a mistake. Never missed a payment. Never late. I called capitol one to find out what i needed to do to fix the problem. Informed them what happened. Explained it was a misunderstanding. I took responsibility for my mistake. The fraud department was very rude. Did not care what i had to say. Capitol one treated me like i was a criminal. Took no responsibility. Even though they are not supposed to credit my account until the payment has cleared my bank account. I payed off the rest of the balance over 4 months to show i could make my payments on time ect hoping capitol one would see reason. They closed my card as soon as i payed my last payment. The real bad part is no other secured cards will even touch me now. I feel as though capitol one has black balled me in the credit card world for no reason. They refuse to see reason. If i was trying to commit fraud i deffinitly would not have paid you back. Made my payments on time. Look at the proof sitting right in front of you. My payment history. The payment you say is fraud was being made 3 WEEKS EARLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion was sent disputes which they received and signed for with tracking number XXXX at XXXX XXXX  and they never responded to those disputes. The disputes were sent out via certified mail yet again on XX/XX/2021 with tracking number XXXX at XXXX and I have yet to receive notification of dispute, let alone any results. Both sets of disputes are beyond the allotted timeframe thats required even if I considered the pandemic results time frame. That is ground for automatic deletion and violation according to FCRA. I would like every negative item removed immediately. And I would like to be compensated {$5000.00} from TransUnion for violating my rights and contingency to report inaccurate information causing me to be denied credit. I would like this update in 7 days.

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 2020-07-01
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: Was not notified of investigation status or results

Complaint:
Those accounts were never fully legally investigated.

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 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$5400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.

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 2021-07-12
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent out a letter to each bureau. They have not given me a response in regards to the letter I sent to correct some late payments in XXXX. I just want these payments corrected to paid as agreed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a fraud alert from Simmons bank via text. 2 minutes later I responded advising the transaction was not authorized via their automated system. As I used an automated system, I received the message that my debit card was cancelled. I immediately called to say I did not authorize the transaction but I wanted to keep my debit card as I have had the same debit card for 7 years ( before Simmons bank took over ) the agent advised the debit card had to be canceled as my number was compromised. The next day I went to the bank and got a new debit card. The next day, the fraudulent transaction was pending in my bank account! I immediately called the fraud hotline and was advised, I had to file a dispute and the funds would be held for 7-10 days!! I advised the transaction should have been rejected when my card was cancelled. I requested a supervisor, I was on hold for 15-20 minutes, the XXXX  supervisor ( XXXX  or XXXX  ) came on the line and advised me, I had to wait until the transaction posted and then file a dispute. This is wrong, this bank allowEd someone on a website to use my debit card information to make a purchase, SIMMONS BANK was immediately notified the transaction was not authorized due to the fraud alert they sent me ( they knew it was a fraudulent activity because they notified me ) this transaction should have been rejected!!!! Period!!! They cancelled my card but didnt cancel the transaction!!! Instead they are holding my funds and requiring me to file a dispute. What kind of bank is this?

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 2020-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a visa debit reward card for participating in an interview with XXXX in the amount of {$420.00}. It was issued through the Bank of America on XX/XX/XXXX. It had a good through date of XX/XX/XXXX. When I tried to access the funds on XX/XX/XXXX I was told that the funds were forfeited as it was after the XX/XX/XXXX date. I called the number on the back of the card Bank of America ) and they also said the funds were forfeited. When I asked for them to reissue the funds or a new card they declined. I thought that these cards ( from a financial institution ) didnt expire for at least 5 years after the issue date despite what was said on the card itself. ( Two years is a relatively short amount of time to have access the value of the card ). The Bank of America representative declined allowing me to speak to anyone else or appeal this. The money is a significant sum for services provided and I fail to see why the bank can simply reclaim the money that was paid to them by XXXX. Please help me to reclaim this money. 
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 monetary relief
Consumer complaint received 2018-11-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A friend with financial problems asked me to make 2 payments on her credit card which was a Chase card and I had a Chase bank account. I made 2 authorized telephone transfers, supposedly recorded by Chase, on XX/XX/XXXX and XX/XX/XXXX from my bank account to her credit card. In XXXX, XXXX, I discovered that without my consent or approval, {$25000.00} was transferred from my account to her credit card from XX/XX/XXXX to XX/XX/XXXX. I immediately called Chase to report a fraud. Chase determined that these transactions were valid even without my authorization, and without any of my personal information which I never shared with her, because I had made the 2 previous valid transfers to her account. I have asked Chase to provide evidence for the initiation and approval of the unauthorized transfers but they will not provide any such evidence. The problem here is that Chase 's system allows anyone to transfer money from someone else 's account to their own account without any proof that the account they are transferring from belongs to them. I have reported it to the police, the FCC, and XXXX investigates..I first spoke to my private banker on XXXX. She told me I was protected by Chase 's zero liability policy. She filed a fraud claim with Chase which was rejected by mail. I followed up myself with Chase 's fraud department on XX/XX/XXXX but was told there nothing more Chase could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
On XX/XX/2019 XXXX XXXX also known as XXXX XXXX   XXXX XXXX XXXX XXXX, Ok XXXX, ( XXXX ) XXXX-XXXX ) reported delinquent rent on my credit report. ( I was a co-signer on a lease ). 
I filed an online dispute on XX/XX/2019, XX/XX/2019 and via phone on XX/XX/2019. I informed TransUnion about the violation. Since it is against the FCRA, 604. Permissible Purposes of Consumer Reports [ 15 U.S.C. 1681b ] for an entity to view or place an account on a consumers credit report without a permissible purpose., I wrote TransUnion to inquire as to their purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with XXXX XXXX or any of their properties. On XX/XX/2019 I received a copy of TransUnion Personal Credit Report and a letter stating that the account has been deleted from my report. 

On XX/XX/2019 I reviewed the information that was sent to me. As you will see in the attached page of the Report under the Adverse Accounts, XXXX XXXX reported that the Account Type was an Open Account. The Loan Type is a RENTAL AGREEMENT. This information is important because it would indicate that TransUnion allowed XXXX XXXX to place an Adverse Account on my credit report without a permissible purpose. The Personal Credit Report also shows that the Adverse Account is still on my Report. 

15 U.S. Code 1681a.Definitions ; Rules of Construction ( 1 ) The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. 

Since the information TransUnion provided to me includes incomplete information they have not fulfilled their obligation.

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 2021-07-12
Company: EQUIFAX, INC.
State: IL
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:
Account # XXXX - XXXX XXXX XXXX - On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. Initially, XXXX contacted Equifax, but a balance was reflected when it should have {$0.00}. I contacted Equifax on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX and the XXXX XXXX reflecting that the amount was taken from my checking account. The balance was reduced to {$0.00}, but the letter reflects Paid In Full. With the documentation I mailed in, Equifax should have updated the Account Status to Closed as well. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled, paid, and closed. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the settlement letter from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I contacted the credit reporting agency on XX/XX/XXXX by writing a statement disputing debts ( XXXX XXXX XXXX XXXX and Bankruptcy ) on my credit report. They responded that the debts were " verified '' but did not provide any information on how they were verified as is what is required by the FCRA. On XX/XX/XXXX, I sent a follow-up letter to credit reporting agency regarding the method of verification and according to the FCRA, they have 15 days to respond. To date, the 15 day extension has expired and I have received no response.

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 2018-05-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed inaccuracies regarding credit inquiries with Experian. My first issue is the listing of an address that does not belong to me, yet the inquiries are coming through under this address. I have submitted my driver 's license and copies of utility bills showing my correct address ; however, Experian keeps stating that the inquiries have been verified. 

Per my request, I also asked that they submit documentation that these inquiries belong to me ( i.e. my signature, handwriting ), showing that I consented to the inquiries, I have not gotten any documents just that they have been verified. I have advised Experian that using XXXX is not the correct procedure for verification. 

I have submitted a letter with the list of incorrect issues that I am consistently disputing including the new listing of this unknown address. 

Again, I am requesting that the creditor and Experian provide documentation baring my signature for consent. 

Please see attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a XXXX in XX/XX/XXXX & XX/XX/XXXX from TD Bank with an incorrect address for my property located at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX ( previously XXXX ). 

I've been working with XXXX XXXX, Manager ( XXXX, CT ), XXXX XXXX, XXXX XXXX & XXXX XXXX, Regional Manager (  XXXX, CT ) since XX/XX/XXXX to correct the issue. As of today ( XX/XX/XXXX ) I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion is listing my FHA backed mortgage with XXXX XXXX under " Accounts with Adverse Information '' but it was current when it went into forbearance under the CARES Act.

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 2018-11-22
Company: Innovis
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Innovis has a bankruptcy on my credit profile XXXX that is not verifiable. The address they have on file state XXXX XXXX XXXX XXXX # XXXX but I sent a letter to this creditor and the response came back as they do don't verify bankruptcy non do they report them to the credit bureaus. I am now asking hat any and all bankrupcty be removed from my credit profile because uneer the FCRA the address to the credit must be accurate and verifiable. as you can see my the letter i am sending this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: LendKey Technologies, Inc.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated from my XXXX XXXX in XX/XX/2018 and had to study for boards before starting work in XX/XX/2018. My loans had been in forbearance because I have been in school for the last 8 years and could not afford {$1200.00} plus a month. I used up my 18 months of forbearance and was becoming delinquent on my loans because I couldn't start my new job until XXXX. I called to ask what i could do to get current and was told nothing could be done and I just had to make as many small payments as I could to bring the loans up to date. I informed them this would not be possible as I am in a XXXX XXXX and barely make {$2100.00} a month so I would never be able to bring the loans current as I was delinquent by XXXX {$4000.00} by the time XXXX rolled around and I started making money. 
I called Lendkey twice monthly from XXXX to XXXX to work out what I could do to remedy the situation. In XXXX the loans were XXXX {$7500.00} delinquent as my attempts to make {$600.00} payments every other week was getting me nowhere. I made the decision to take a {$5900.00} loan from my XXXX to pay this down. The loans are mostly current, I am about 20 days late on 2 of them and will make an additional payment of {$630.00} this month. I called Lendkey again this month to ask what I could do as I was struggling to pay {$1600.00} each month. They told me I could apply to refinance the loans which would lower the monthly payments now that I was mostly current and that I would get approved for a decent rate. I just received notification that my request has been rejected. 
I am a new XXXX XXXX in a required XXXX XXXX   trying to help patients and struggling to make ends meets. I can not live of off the {$200.00} a month I am left with after trying to pay these loans. Lendkey has been horrible to work with and no one is willing to help me or work out other options that are more manageable.

Company response to consumer: Closed with explanation