BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Applied for a Capital One Savor credit card that offered a reward of {$300.00} as well as rewards for purchases beyond that. I have a current rewards balance of {$320.00} that they refuse to pay out because they restricted my card when I suspected and reported a fraudulent charge from XXXX. I still have not even received a refund for the fraudulent XXXX charge of {$340.00} and they won't even acknowledge the letters I have sent contesting this charge for an airline ticket that was not received. Today when I called Capital One 's fraud department to ask why there is still a restriction on my credit card after I paid off all of my 0 % interest debt, they simply said the case went against me! They won't explain how they concluded this. I assure you there is no fraud on my part. You can check my credit report and see that I have always paid all my bills on time and have always paid them in full. Never been late my entire life. This company, Capital One, however, has a history of ripping me off. Back in XXXX, I opened an online Savor 360 Money Market account with over {$50000.00} in the account to get a reward of hundreds of dollars, but they reneged on that too. I let that one go and put my money elsewhere, but I'm not letting them off the hook for this one. They should not only pay me all that they owe me but be fined once again for cheating customers out of their earned rewards. Capital One Savor is the only company I have ever had trouble with. They are the absolute worst, dishonest company and I will never do business with any Capital One company again once this is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-09
Company: EQUIFAX, INC.
State: MS
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:
I reported a fraudulent account on my credit report to the credit bureaus and the creditor and they have yet to remove it or verify it. which is a violation of the credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit 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:
XX/XX/XXXX we submitted a claim against XXXX XXXX XXXX XXXXXXXX XXXX for a demand for refund which was promissed to us, which was well within the 60 days for ELECTRONIC FUNDS TRANSFER ACT. 

Chase did not even review any of the information we sent over denied our claim but we then reapplied to reopen the claim, as they submitted our initial response incorrectly. the information we supplied them with was receipts from the purchase, proof of refund receipts from the company complaints with the State attorney general of new jersey and FTC fraud complaints in the amount of XXXX for the claim. all screens shots of conversations. 

Chase bank now has wasted over 9 months denying me my rights and now I am in a position where I'm entitled to damages, and being discriminated against, and I'm now entitled to pecuniary damages since the account never settled, this is extremely distressing and im going through extreme mental anguish for almost a YEAR with this ordeal, non- of the agents or chase have assisted in resolving this matter they are simply stating we are at fault, and with this Accusation this is defamation and we are still waiting 15 days after our last response with chase 3-4 hours on the phone to no avail. 

This is a clear violation of my CONSUMER RIGHTS and I will seek damages for chases unwillingness to resolve this immediately. 

They are failing in there fiduciary duties to protect me the consumer against such fraud, and has shown a pattern of non-compliance for over 9 months of non-response, and dishonoring my claim and me. 





from STATE ATTORNEY GENERAL From : XXXX XXXX XXXX Sent : Saturday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : Requested information. 



From : XXXX XXXX XXXX Date : Tuesday, XX/XX/XXXX at XXXX XXXX  To : XXXX XXXX Subject : Refund for Passed Challenge XX/XX/XXXX Hello XXXX, My account qualifies for refund, as stated from XXXX chat, let me know If I need to pull up the chat history. 

XXXX bought after XXXX did not qualify XXXX bought Before qualified, as was stated by your administrative team. 

I passed my account not a third passing service and would like to have this amount refunded to my account within a reasonable time frame. 

Ive attached the following requested information needed to process refund to my credit card. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: IL
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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 Balance : {$6000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: CA
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 the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-04
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit 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:
an order was placed for a computer processor for {$500.00} on XX/XX/2019 with my Amazon Prime Store Card is issued by Synchrony Bank. i called amazon right away and stopped the order and amazon stopped delivery i also called synchrony bank and i was told by both companies to change my password and i did that! and the bank was sending me a new card they removed the charge from my account and i thought great glad i have instant notifications on my cell phone on any purchases made but for some reason i am still being charged for the item by the bank even after i called them and told them of the problem they sent me a new card i reset all my passwords and lost the dispute! they added the {$500.00} on my new card on XX/XX/2019 how can this happen now they want me to pay {$500.00} for an item i never ordered, never received, and no nothing about amazon even removed it from my order history and tracking # i spoke with amazon and they agree i never received the item and the bank was wrong but said nothing they can do its up to the bank to investigate i have proof! e-mails, my phone calls to both amazon and Synchrony Bank and name and address of the person and place they tried to have it shipped in new jersey this needs to be dealt with why should i pay for a the fraud? but if i don't pay my credit takes a big hit i have never missed or been late with a credit card or mortgage payment i am not happy with all parties involved this should have been an open and closed case! i provided them the name and address of the person trying to do it! Synchrony Bank is reopening the case but i still have to make minimum payments due on the card. i never carry a balance on any of my credit cards i pay in full before statement date every month!

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: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was XXXX capital one credit cards open in my name that I didnt open I have never had or applied for any credit cards with capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: CO
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX 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 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 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 2023-08-31
Company: Global Lending Services LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
I paid off all fees due to get my vehicle back which I did get back ( the vehicle ) in the month of XXXX. I was told it would be 3 weeks for a title flip even when they read their terms with me it said the same thing. It's been 6 almost 7 weeks and they refuse to do the title flip. I'm paying for a car I can not drive as the registration is expired. Every time I call they say XXXX will contact me back or she's stepped out the office. I've called at different hours on different days and have been given that same response. It's causing high stress as I need my vehicle. I am paying for this vehicle. I paid all fees and still XXXX who handles the title flip refuses to contact and update me on the title flip issue. I regret making the choice of purchasing this vehicle with these people. Not to mention when I paid for XXXX they took the money and paid for " miscellaneous fees '' as they called it, I didn't authorize that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: CA
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 checked my credit to see any an old account from XXXX XXXX that was paid off and should be deleted. I was told once full payment was made, the account would be deleted within 30 days. Its been a few months and its still not deleted.

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 2023-08-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a call from XXXX XXXX regarding a debt from Fifth Third Bank . I tried asking the gentleman to send proof of the debt to my current address and not the address they have on file but he refused. He then resorted to reciting my full Social Security number as a method of intimidation and threatened to sue me. I was informed the conversation was being recorded, please seek a copy of this recording as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX # XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information 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 inaccute

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 2023-02-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: IN
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 filed a dispute with Equifax on XX/XX/19 because duplicate accounts were showing on my report. These accounts had been oopene with the US Department of Education and had been transferred to XXXX. Rather than showing as a transfer, Equifax showed these as separate loans. Some of these accounts were also not indicated as being closed even though a XXXX balance remained. One of these accounts showed as being deferred and having a balance of XXXX. The result was that my credit score was damaged and 44 points lower on Equifax compared to XXXX. The dispute was resolved according to Equifax on XX/XX/19 but only one account had been changed to closed. The dispute form stated I should contact the loan provider to have them correct the issue. XXXX shows the status of my loans correctly, meaning the issue lies with Equifax. I called Equifax on XX/XX/19 and had to provide their automated system my address, SSN, etc. I also had to provide the automated system information about the accounts I had open ( ex. mortgages ). After 10 minutes I was finally transferred to a customer service agent. This agent made me provide all this information again. He also stated that he had changed my dispute so the one loan showed as not being deferred. I checked the account and it had not been changed. When I brought this up to the agent, he proceeded to act like he could not hear me. At this point I had been on the line with him for over ten minutes without a single service issue. Nor have I had issues calling other people in the same location. This agent lied to me twice and did not solve the issue.

Company response to consumer: Closed with explanation