BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 2 credit cards with Capital one. They reported me late in XXXX of XXXX for both cards. I had a payment due on XX/XX/XXXX on one card and XX/XX/XXXX on the other. I had just XXXX my father and was going thorugh a very hard emotional time. 

I made the payment for both accounts and brought the accounts current. My credit union also changed and I used the old accout to make the payment.The payment was returned due to insufficient funds but once I saw the wrong bank was used, it was corrected in 3 days. 

As a customer and seeing that I was never late, I reached out to Captial one and they refused to remove the SINGLE late payment. They stated that even though they got the payment the following month for double the amount, they are still reporting it late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I pay the card on time every month I thought I set up payment on line but didnt I paid payment 2 days later. I requested late charge be waived they wouldnt waive due to my grandma couldnt talk Bc in hospital due for XXXX. I didnt want to upset her while in hospital. I make all payments advised them to look at payments being made. Im authorized on the account also I help my grandma with her bills. Also I spoke to manager XXXX ( XXXX ) she told me her manager couldnt call me and no other manager could call or resolve issue. I told her to put in complaint and she said they will just note account and no one will call back to resolve or write back to resolve the issue. She offered to give a XXXX credit but then came back and couldnt do it Bc it wasnt my grandma also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 acXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone got into my bank account and changed my address. They made transfers from my sons linked account for {$5000.00}. They expedited a new ATM card to the new address. My savings was transferred to my checking they made XXXX withdraws for {$11000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29
Company: LoanCare, LLC
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:
I have been a customer with your company since XX/XX/2018, and during that time, have enjoyed our experience with LOANCARE greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have two late payment ( s ) on the above referenced account in XX/XX/2018 and XX/XX/2018. Since that time, I have been an exceptional customer paying every month on time and never 30 days late.

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 2018-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX of XXXX i disputed some transactions ( XXXX XXXX XXXX ) as service not as described. I disputed this with Bank Of America and clearly stated why i was looking to dispute these charges and they denied the claim within days not giving the proper investigation. XXXX XXXX coerced me into staying in my contract over this time period and even further back than the one year that was disputed. Bank of America told me they dont even go as far back as i was requesting which i think was ridiculous. As a consumer i have the right to dispute these charges and receive/ keep my provisional credit of {XXXX} and even further back than that. I will go to whatever means to prove i have the right to these funds. This is NOT A FRAUD ISSUE. I am NOT claiming fraud. This is a NON-FRAUD issue due to negligence by the merchant and a lack of service as described by the merchant when amenities that i orignally signed up for were taken away. Bank of Americas lack of consideration for their customers is beyond me. I hope this reaches them. 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 explanation
Consumer complaint received 2019-10-16
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: Investigation took more than 30 days

Complaint:
I mailed a dispute letter to Equifax XX/XX/XXXX and a 30-day complaint XX/XX/XXXX, to this date I have received no response whatsoever in full violation of the FCRA. According to the FCRA Equifax is obligated to remove all disputed information from my credit report. The items are below : ACCOUNTS XXXX XXXX XXXX XXXX XXXX wrong status XXXX XXXX XXXX XXXX XXXX wrong status XXXX XXXX XXXX wrong status XXXX  XXXX wrong status XXXX   XXXX XXXX XXXX wrong status XXXX XXXX   XXXX XXXX XXXX wrong status INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized PUBLIC FILINGS BANKRUPTCY : DISCHARGED XXXX XXXX inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TRANSUNION. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TRANSUNION has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXInquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/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 2017-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since the announcement of the Equifax data breach on XX/XX/XXXX, I have been trying to freeze my account online with them. Every single day I try and I receive an error message through their website, I have tried different browsers, different times and different computers. When I finally called them on XX/XX/XXXX, I was given a number XXXX, when I call the automated number it request a pin which I have not been provided and have no idea how to get. When I press 2 for " no pin '' I am told to call back when I have this magical pin, then hung up on. This is not acceptable as per their website I was affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Continental Finance Company, LLC
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a problem with a contintential finance surge card. I reported the card missing and have a new one sent. I later found the card but my account was cancelled and the fees are still piling up. I only used the card once and paid the balance off right away. This mistake is hurting 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 explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: LA
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 name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EXPERIAN Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/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 2018-01-04
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They have been GOUGING me with EXCESSIVE OVERDRAFT fees from about XX/XX/XXXX- XX/XX/XXXX, but the most recent is on XX/XX/XXXX for {$36.00}. I check this account daily and I am noticing that it 's  something not right. I 've spoken with someone several times and they 've all came up with different stories and reasons as to WHY I keep getting charged.

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 2018-01-04
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have over the last 6 months been able to make additional payments to Navient however they keep increasing the amount of interest on the loan so that there is no difference being made as a result of these additional payments. What happens if I were to triple my payments they would probably run the interest up to offset this too. Then Navient hides behind the statement that all loans are subject to interest rate increases. 
This is predatory lending at it 's finest with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
I sent a secure message on XXXX XXXX, XXXX to my auto loan financial institution CHASE AUTO to remove the false note that my financed car was AFFECTED BY ANY NATURAL OR DECLARED DISASTER because I was not affected in any natural or declared disaster. 

I received a response from CHASE AUTO on XXXX XXXX, XXXX saying that they submitted a request to their Research Department and within seven business days they were to send me an update in writing. 

I have yet to receive any further communication, electronic or written, from CHASE AUTO about this false claim on my XXXX credit report. 

Where I reside, XXXX, TX, was not affected by any natural or declared disaster. I do not want any issues with my credit report when I have to go refinance my house soon. CHASE AUTO is at fault and needs to remove this false statement from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have attempted to register as well as determined the balance of the card. When using both the website and calling automated as well as speak with XXXX about how the XXXX and XXXX code is not received no options for {$50.00} to be register or reviewed. XXXX at XXXX states she cant help me with the XXXX code provided on the back nor can anyone else. No where to have someone see the code is stated on the back side.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Experian Information Solutions Inc.
State: PA
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: Problem getting your free annual credit report

Complaint:
In XX/XX/XXXX I called XXXX to receive my three free annual credit reports from Experian, XXXX, and XXXX so that i could begin to dispute incorrect credit info. I received Experian and XXXX reports and never received XXXX after receiving the other two reports.I tried contacting XXXX by certified mail ( XXXX XXXX ) only for them to send me a letter ( XXXX XXXX ) stating that they needed me to send personal info in the mail as to prove who I was ( copies of utility bill, ID, W-2,  social security, etc ) .I sent certified mail to all three agencies with the a letter of dispute and a letter from the agency that I paid the full amount to as well as the bank statement showing the full payment amount. I also found out today ( XXXX XXXX ) that Experian deleted my social security number from my credit report deeming me untraceable to calling the agencies and being identified. Im fighting to clear a debt that I paid on XX/XX/XXXX in the full amount and now they seem to be making it impossible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX have paid ahead on my mortgage with New Rez AKA Shellpoint Mortgage where my next payment is not due until XX/XX/XXXX. My loan was approved for cancellation of the monthly private mortgage insurance premium as of XX/XX/XXXX, where my last payment for the private mortgage insurance would be collected in XX/XX/XXXX per New Rez. It is my belief that New Rez Shellpoint Mortgage is obligated to refund me for the mortgage payments made in advance that would include the monthly private mortgage insurance payment of {$100.00}. Unfortunately the monthly statements they have provided all neglect to disclose my monthly payment breakdown. I have also made a request to have my escrow account refunded as I would like to opt to pay my homeowner 's insurance and property taxes on my own. I am under the 80 % loan to value requirement where I believe it is my right to choose to discontinue the escrow account so I can handle those obligations on my own.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX XXXX keeps trying to debit my account with Bank of America snd my account is constantly being hit by fraudulent charges that BOA credits and then reverses. They are not in my side and have gouged me financially with multiple overburdening overdraft charges. I called them several times to be met with brick walls what they are doing has to be unlawful

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 2017-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed items on my credit report from this company asking for verification and validation of a written agreement with them. This company has verified my account as accurate and sent a copy of a credit card statement. This is no showing that the information is accurate or owed to them. After I submitted a disputed they have since added new records to my credit report for the same company but different amounts. They have failed to respond the the other disputes I have filed but have makes them as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: R.M. Galicia, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Progressive Management Systems is continuing to report an old debt that is n't mine. This debt is past the statute of limitations on the collection of debt and the y need to delete it .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05
Company: WELLS FARGO & COMPANY
State: AZ
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:
I submitted a dispute with XXXX regarding my Wells Fargo Home Mortgage account balance being incorrect. My account with the creditor was paid in full. 
So, I tried to resubmit the dispute with XXXX and they did not offer a function to include documentation proof. And I tried calling Wells Fargo Home Mortgage regarding them not being honest with these dispute investigations and the representative told me ; to contact the credit reporting companies.

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 2022-02-05
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 My card didn't work-I went to get gas 2 times. I'm told by customer service there's a hold. I call branch, XXXX, supv. who said call Customer Service back. I had to pay rent and my money was there. Also I noticed a false charge of {$28.00} customer service said was XXXX  XXXX and a " Debit Memo '' for {$50.00} that I tried to put disputes for both through with Supv. XXXX, customer service but she left me on hold.

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