BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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 XXXX XXXX, XXXX I contacted Capital One Bank to dispute three ( 3 ) charges made by me to 3 separate airlines. These charges where all made in XXXX. All the flights purchased were cancelled by the airlines, entitling me to a refund. I contacted all 3 airlines, and was meet with no response from any as to when I could receive a refund. Disputed amounts were : XXXX XXXX, {$140.00} ; XXXX XXXX, {$810.00} ; XXXX XXXX {$530.00}. All amounts shown are USD. 
On my phone call to register the XXXX disputes I supplied copious information to allow CapOne to proceed with a dispute resolution. I was told I would receive a written confirmation of these disputes within 30 days. I received nothing at all from them, neither in writing in the mail, nor an email confirming my dispute. On XXXX XXXX, XXXX I again called to CapOne to follow up. I was informed that a provisional credit in the amount of {$140.00} had been posted to my account on xxx, but I was sent any documentation. I was further told the other two disputes were 'overlooked '. I was told these would now be 'expedited ', but it was impossible to tell how long this would take. I received finally a dispute information request on XXXX XXXX via USPS. I have never received anything regarding the 2 other disputes, nor have I received a credit for either. 
Capital One is required to confirm disputes in writing with 30 days, and to resolve these disputes within 2 billing cycles. I have made every good faith effort to assist in this matter, but I am rebuffed by Capital One customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an alert about my social security number being compromised on the dark web and used to open a Bank of America account. I called their fraud department and submitted a claim on XX/XX/XXXX. The account had XXXX dollars in it and it was opened with my name and social security number. The account was closed on XX/XX/XXXX and a fraud alert was placed with the institution.

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 2021-11-09
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX is reporting on my credit report as a past due balance on an auto loan that was totaled. XXXX entered a class action law suit. XXXX practiced predatory loans to consumers in several states including the state that my loan originated from which is Pennsylvania. I sent a letter to XXXX XXXX XXXX on XX/XX/2021 asking them to remove this loan because for one, I am apart of the consumers that are to receive proceeds from this lawsuit and two, XXXX is still reporting a past due balance on a charged off collection account which is a violation under the FCRA. XXXX has yet to respond to my request. Please have this account removed as I am in the process of buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Delete these accounts off my report as the are incorrect I will also list the late payments that need to be updated off of my consumer report. I demand deletion at once as they are causing damages to my mental health and financial distress. 

DELETE 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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX XXXX XXXX is reporting fraudulent and inaccurate information... violating my consumer rights!

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 2022-01-09
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: Account information incorrect

Complaint:
XXXX told me their 3 rd party so they shouldnt be listed on my credit report it was XXXX XXXX that madr claim and they should br listed not XXXX so i contacted XXXX and they have nothing to do with this being listed and XXXX XXXX who just cares about selling XXXX their product so this remains inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX is reporting on my credit report as a past due balance on an auto loan that was totaled. XXXX entered a class action law suit. XXXX practiced predatory loans to consumers in several states including the state that my loan originated from which is Pennsylvania. I sent a letter to XXXX XXXX XXXX on XX/XX/2021 asking them to remove this loan because for one, I am apart of the consumers that are to receive proceeds from this lawsuit and two, XXXX is still reporting a past due balance on a charged off collection account which is a violation under the FCRA. XXXX has yet to respond to my request. Please have this account removed as I am in the process of buying a home.

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 2023-07-19
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account was placed on suspension on XX/XX/XXXX. Ive been sending in documents to get it taken off but nothing is helping and Chime isnt helping me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: DriveTime
State: PA
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:
To whom it may concern, I've never given XXXX my written consent to furnish any of my NON PUBLIC PERSONAL INFORMATION. It was never made known to me that I have the RIGHT by LAW to opt out of my information being reported/sold as made clear in 15 USC 1681 of the Fair Credit Reporting Act. 

15 USC 1681 states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer Please provide any documentation with my written consent allowing XXXX to furnish my information or remove this all ILLEGALY SHARED information from my credit report and send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: M&T BANK CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For four-five months in XXXX, M & T reported two-year-old ( XXXX ), less than 90-day, non-charge-off delinquencies that have affected my credit rating. According to law, unless these were charge-offs, they should be removed. Even though the payments cited doubled in amounts and the time-frame included the time I requested a forebearance, each monthly payment was paid in two installments within 30 days. This is evidenced by greater amounts paid than requested in some months because of how they reported the payments. 

The payments were recorded incorrectly as delinquent when they were paid within 30 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 2022-10-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have never had a personal account with these banks. I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with XXXXXXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.

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 2019-03-16
Company: ABR Recovery Services LLC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ABR Recovery LLC Is trying to collect a debt on this companys behalf XXXX is the orginal creditor - I have reached out to both companies and have come to know solution as of yet I have just recently filed a complaint with the XXXX of New York against ABR Recovery LLC.  The amount that they are trying to collect on behalf of XXXX is {$1100.00} - I need debt validation under the FCRA. Each time I tried to reach out to this collection agency I get several different false replies which leads me to believe that this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX and Equifax show a late payment posted on XXXX, XXXX. I contacted XXXXXXXX XXXX credit cards and they said I had a XXXX balance on XXXX and XXXX of XXXX. I do not understand why those two credit reporting agencies put a late payment for XXXX XXXX when I didn't even have a balance owed. 

XXXX, XXXX : balance {$0.00} XXXXXXXX XXXX : balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2020 ( today ) I got in my credit card statement from Wells Fargo, we had signed up for assistance due to COVID-19, my husband was laid off in XXXX and we tried our hardest to keep up payments for a while and we did but eventually needed help. I got two months of assistance where I didnt have to pay my minimum payment of {$66.00}. Today I got a bill for {$220.00}, which was my minimum payment plus all the interest acquired on the total amount in the account. I got in my credit card statement from Wells Fargo, we had signed up for assistance due to COVID-19, my husband was laid off in XXXX and we tried our hardest to keep up payments for a while and we did but eventually needed help. I got two months of assistance where I didnt have to pay my minimum payment of {$66.00}. Today I got a bill for {$220.00}, which was my minimum payment plus all the interest acquired on the total amount in the account. They didnt tell me I would have to pay all interest acquired on the total amount and my minimum payment when I was no longer receiving assistance, and I dont always have to pay all acquired interest per month so Im confused why this is happening. When I called in they just told me that it was my minimum payment and the interest on the total amount due. The only thing that they offered me was more time in the assistance program, but I did not want to come back and have to owe {$440.00} next time or something like that. And my two monthly payments which is {$66.00} each that I had missed comes to a total of {$130.00}, so I dont understand why this is happening ... ( I wan na add I knew that interest would continue to be added on the total amount, I just didnt know Id have to pay it all back when I came back. I dont have to pay all of my interest every month so Im confused why I have to pay two months worth when I needed assistance ) I attached my current bill for {$220.00} which is due on XX/XX/XXXX, and Im attaching a screenshot showing my previous payments to them. Now I pay my minimum payment and I try to pay extra whenever I can even if its {$14.00} or {$20.00} extra per month I try to pay off as much as I can. But youll see I didnt have to pay a huge {$220.00} every month youll see a consistent {$68.00} or {$66.00}. 
It was suggested to come here and file a complaint, so Ive never done this before I apologize if this is too much or too little. 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 monetary relief
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: CA
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:
PLEASE HELP ME! I am in the middle of a real estate transaction and my loan can't close because my lender is unable to obtain an Equifax credit profile. My other 2 scores are good and more than surpass the minimum thresh hold for the loan, but my lender says he needs to view the third report or else his underwriter will not allow the loan to close. The reason it is not accessible is because there is a security freeze on it. I have done everything in my power to gain access to my Equifax credit profile. I have sent out letters to the credit bureaus asking the freeze to be removed. I have gone online to attempt to have the freeze removed. My lender has called to do the same. I have even called and spent plenty of time attempting to have the freeze removed only to be told every single time that I didn't pass the security questions. 

I don't understand how I fail the security questions. I know my personal history better than ANYBODY. If the answers I'm providing do not match their records, it is because their records are faulty. How am I supposed to guess what they have in their records when they are not accurate? Regardless of anything else, I need to be able to access my Equifax profile. I have been trying to obtain it for months and I won't let Equifax prevent me from buying my home because they can't get their information right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
I am unsatisfied with their investigation results because I have not been provided with any documentation ( ex : signed contract, itemized bill ) and I honestly do not recognize the company name or ever having an account with them. I need this account on my profile flag as disputed fraudulent. XXXX didnt even include a comment at the end of their investigation that mentions that I am disputing that this account does not belong to me and the agency should be required to provide the documentation they used to determine the validity of of the account during their investigations. Also the agency should not be allow to retaliate against the customer for submitting a request for an investigation. 

I submitted a dispute with XXXX  around XX/XX/XXXX because there is an account from 2016 I do not recognized ( RE : JPMCB ). There is no information on my profile as to who this company is. Did they provide XXXX  with a signed contract and an itemized bill? I have never received an itemized bill from this unknown company or any sort of documentation or letters from this company. I do not even know what the letters of the company stand for. XXXX  investigations often do not check for proper documentation. When an investigation is completed, it should be required that they should be providing the customer a copy of the documents that were provided as part of their investigation. 

The second complaint is the idea that XXXX  seems to retaliate when a complaint is submitted. I submitted a complaint because I do not recognize the company on file. They completed the investigation and my score went down XXXX points. This sounds like a practice to discourage people from submitting a request for an investigation. This should not be allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Westlake Services, LLC
State: MA
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 am having an issue on my credit report. I have reached out to the company ( Westlake Financial Services ) The person that Ive spoken with is very rude and does not want to help me with this issue. He has told me to let it go, move on. Meanwhile they keep reporting that the payments are late every month. I have The receipt I have sent the documentation to XXXX  they agreed that the payment was due XX/XX/XXXX. As of XX/XX/XXXX they are so reporting that I am late and negative remarks. I have disputed this with XXXX  maybe six times now I have tried dealing with Westlake financial and I feel as though they are just doing this now because they are upset at how many times I have disputed it. This was an account that I had cosigned for somebody and was not told that the payments were not being made. I settled with them and paid {$500.00}. The payment total was {$1000.00}. I have tried to call them saying that I would pay the remainder but they said I would not be able to do so because the account was closed. I have no idea what to do now all I know is that this looks terrible on my credit report and I need this to be taken care of for all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Midwest Recovery Systems
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest recovery has called me twice they will not tell me what the debt is. They are demanding my SSN and dob. I repeatedly told them no. And they keep calling. I don't have any outstanding debts that I am not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Newport Intermediate Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I have 2 {$100.00} gift cards XXXX XXXX Both cards have expired when I called to have the cards reissued the company advised they wont reissue the cards since they have expired and will keep the money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-19
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had got a free trial from XXXX XXXX and XXXX20 they took XXXX out my checking account i want my money back!!!!!!!!! I didn't even finish the free trail and im been charged!!!!!!!!!!!

Company response to consumer: Closed with explanation