BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am a victim of the coronavirus pandemic as many people are right now. Capital One Walmart Card assured me after making a {$25.00} payment after discussing a one month forbearance due to being a furloughed worker that my credit would not be effected. They even reversed late fees, but neglected to tell me that I still had {$3.00} remaining to bring my account current. So the total payment due was {$28.00}, I paid {$25.00}, and they're reporting {$3.00} past due because I was assured I would be fine. They're also reporting 30 days past due, when I was not 30 days past due. With the current global economic situation, I find it unethical to even report payment history to the credit bureaus. Fair business practice is not a thing anymore apparently. Fair credit reporting is a thing of the past. Now I'm dinged 20 points because I was misinformed, and their lack of empathy is appalling. I will be cancelling this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Someone hacked into my edd debit card to transfer the below funds out to a XXXX XXXX  checking account. 
BANK OF AMERICA FndTrnsfr XX/XX/2021 XXXX Direct Deposit Funds Transfer Return {$5000.00}

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 2017-12-06
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received a solicitation from XXXX by XXXX XXXX in the mail on XXXX/XXXX/XXXX addressed to my XXXX XXXX XXXX daughter saying she is eligible to apply for a personal loan. I called XXXX ( XXXX ) to request they remove every individual at my mailing address from their solicitation list. The XXXX representative asked for the names of all individuals in the household, which I refused. The representative said they would not be able to remove " everyone '' at the address unless I gave their names, and suggest I contact every credit reporting company with my complaint. I disagree with this practice as it violates my childrens ' right to privacy and protection against predation. XXXX XXXX has no need or right to request the names of my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My Direct loans transferred to FedLoan servicing on XX/XX/2021. After multiple attempts to inquire how 109 past payments made to XXXX XXXX XXXX ( XXXX ) and XXXX are being reported for PSLF/TEPSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: Chime Financial Inc
State: LA
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:
My bank account was hacked several times with the starting date of XX/XX/2022. I contacted my bank letting them know that fraudulent activity was taking place in my checking, savings, and credit builder account. I have provided all the information that Chime Bank asked of me and it still hasn't gotten me my back. I feel that a proper investigation has not been done with the disputes that filed with them. All my claims have been closed in less than a week. On my account it shows purchase from from a whole other state that I have never ever been to in my entire life. The 60 plus representatives that I have conversed with and numerous numbers of emails has gotten me no where at all. The hacker got into my account several times and changed my email, phone number and password. Yet, when I call to get back into my account I get questioned and made to feel like I am the villain and not the victim. This situation has take a toll on my health and well- being. All I ask for is MY money be returned to me so that I close this chapter with this bank and MOVE on. Until then I will consistently fight for my hard earned money be given back to me. This ridiculous to have to go through this with a bank that I though that I THOUGHT I could trust. I WANT MY MONEY BANK CHIME BANK!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX Original Creditor : XX/XX/XXXXXX/XX/XXXX) XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX Original Creditor XX/XX/XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXX/XX/XXXX ( original creditor : XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX ) XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On the week of XX/XX/20 I called in wanted to find out information on my dispute. I waited 2 1/2 hours on hold, only to be told that I couldn't be helped over the phone. I was told the issue of lock out of my account was to be escalated. I would receive an email withing 24 to 48 hours ( that didn't happen ). When calling back XX/XX/20, the person who answered could not get into my account. I asked for a supervisor, another 2 hrs, only to be told there was nothing that they could do. That I could send a letter to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The interest was to high for the Vehicle. The cost of my vehicle was XXXX. I was charge another XXXX in interest. It's a rip off for a Use truck 2016. Yes want to be part of this Settlement. 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 2021-09-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX. I had an approved PPP loan from the financial institution Wells Fargo. This was the first draft loan. I then made an application submission. For the second draw ppp loan. Which I was not approved for due to closing dates and lack of funding. There was a law that stated that small business with under 20 employees will be made a priority and theyre applications would be processed first and should be approved within no longer than 14 days. Specifically from XX/XX/2021 to XX/XX/2021. I asked about my application multiple times through this time period, and even after. And by the end of the Loan Program I was not given an approval of my second loan which was based off the same data from my first draw loan. And was not given adequate response or opportunity to reapply for the loan. There was no adequate information as to why my application took so long and why I was denied.

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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several inquiries and one account on my credit report that I never opened. The account is from a company called XXXX XXXX XXXX XXXX and the inquiries are from multiple companies all of which I am not affiliated with in any way. The account & inquiries listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened a few times in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards the account mentioned above. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized inquiries & 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 2021-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
On XX/XX/XXXX, my debit card was hacked and i had to change banks. My automatic payment to XXXX XXXX was stopped due to my bank account closed. I have lived outside the US since XXXX. 

On my credit report, XXXX XXXX  and then Portfolio recovery reported the same debt at the same time. But Portfolio recovery aged the information date on my report. My last payment date was XX/XX/XXXX as shown in the attachments. Portfolio recovery is showing it as XX/XX/XXXX in order to attempt to collect. XXXX XXXX  original negative report has since dropped off my credit history but PRA remained to be able to continue harrassing and rudely calling to collect. I notified their agent about the mistake on their reporting and they told me that i was wrong, even though i had proof. I triedt to dispute with the 3 credit agencies and was rejected. I have sent emails and proof to Portfolio recovery and they never responded to any of my emails. When their rude agents call for payment, i notify them and they rudely speak to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Transunion is STILL showing my report for them as having 22 accounts. None of the other 2 bureaus are. All of my student loan accounts have been removed. I've literally complained and mailed letters and they have NOT been updating my report with any changes even thoughXX/XX/XXXXand XX/XX/XXXXhave. It's been well over 30 days for this, also. They just keep extending everything and not changing a thing. Why? Legally they are not following law.

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 2021-11-29
Company: SYNCHRONY FINANCIAL
State: NV
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 XX/XX/XXXX a charge was made to my card of {$98.00} from XXXX XXXX XXXX XXXX, I contacted my card company and mentioned the situation, they took months to decide that they could not do anything, and they did not provide me with any evidence of that purchase. 
I did not make that purchase paypal credit card is a company that treats its customers with discrimination and racism

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 2018-03-07
Company: Experian Information Solutions Inc.
State: FL
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 a XXXX XXXX XXXX veteran. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/2013. 

During the administrative work with SSA and US Dept. of Education and XXXX to process my XXXX discharge the loans were placed in late payment status. XXXX sent me a letter to correct this with all 3 credit bureaus. 

I submitted the letter from XXXX to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus.

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 2018-03-25
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We received our real estate taxes in the mail over a month ago. We called US Bank and they told us to fax it over, they will pay it out of our escrow account. This morning we received A Notice of Intent to File Tax Claim against us because our mortgage company to this date still has not paid like they promised.

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 2021-09-06
Company: EQUIFAX, 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:
I have sent many letters and not getting response. This is very unfair and goes against the FCRA. The bureaus are taking advantage of me. They should not be able to break the law like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: SYNCHRONY FINANCIAL
State: TX
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:
On XX/XX/XXXX, my debit card was hacked and i had to change banks. My automatic payment to Amazon/synchrony bank was stopped due to my bank account closed. I have lived outside the US since XXXX. 

On my credit report, Synchrony bank and then XXXX XXXX  reported the same debt at the same time. But XXXX XXXX  aged the information date on my report. My last payment date was XX/XX/XXXX as shown in the attachments. XXXX XXXX is showing it as XX/XX/XXXX in order to attempt to collect. Synchrony bank original negative report has since dropped off my credit history but XXXX remained to be able to continue harrassing and rudely calling to collect. I notified their agent about the mistake on their reporting and they told me that i was wrong, even though i had proof. I triedt to dispute with the 3 credit agencies and was rejected. I have sent emails and proof to XXXX XXXX  and they never responded to any of my emails. When their rude agents call for payment, i notify them and they rudely speak to me.

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 2022-08-10
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I mailed a dispute letter to the address provided at https : //www.experian.com/blogs/ask-experian/credit-education/faqs/instructions-for-disputing-by-mail/ and it was received by them on XX/XX/22. After the 30 days had passed with no response, I called Experian. They told me the 30 days didn't count because I sent it to the wrong address. I said well i sent it to the address on your website, and he legit said the website is wrong. Than he hung up on me. So I called back, and spoke to a lady who again said the 30 days don't count but this time it was because I have to reach out to the people who did the inquiry. I explained I did so with no response, and that regardless, it was still Experian 's job to respond within 30 days which they did not. This is a violation of the FCRA and I DEMAND the disputed information be removed immediately.

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 2020-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly disputed the PORTFOLIO RECOVERY ASSOCIATES attempted debt collection of {$1300.00} on a XXXX XXXX. account. I have no knowledge of this account and believe it was opened fraudulently by an ex-spouse. The collections account shows charge-offs starting in XX/XX/XXXX and each time I've disputed the account ; I receive the same answer " Completed investigation of FCRA dispute - consumer disagrees. Re-investigation Information : This item was updated from our processing of your dispute in XX/XX/XXXX. ". This account is not mine and I've never used this account or obtained any gains from this account. I have also never received a statement or have any other knowledge on the nature of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was approved for a checking account with Suntrust bank on XX/XX/2020. A few days later, I received my Stimulus check from the government in the amount of {$1200.00}. I deposited it into my new account on XX/XX/XXXX. On XX/XX/XXXX, I deposited {$75.00} in checking and {$25.00} in savings. On XX/XX/XXXX, I was informed the account was closed. 

The first time I spoke with customer service regarding the closure of my account was XX/XX/XXXX, at which time I was told that I had restricted access. I spoke with them again on XX/XX/XXXX when they told me they were in the process of closing the account and that it would take 15 business days to complete the closure and another 15 days to mail the check out. I called again on XX/XX/XXXX to follow up and they stated the same thing but directed me to XXXX XXXX. He told me he spoke to the Legal Team of SunTrust and they said that they could do nothing to expedite it. He could do nothing to expedite it. He said they have every right to hold even government checks. It is not against the law to do so. He then provided me with a phone number to the fraud department. 

On XX/XX/XXXX, my mother called them to see what she could do. They told her the same thing. They claimed they expedited the complaint but could do nothing more. 

I wanted to try to reach out to their corporate offices ; however, they would not provide me with the phone number and the number on the Internet is incorrect. According to the party that answered the phone, they have been told to take down that number, but they have not done so, as of yet. I am very much afraid that they are not going to send me the money, as I am XXXX with XXXX, XXXX, and XXXX  XXXX. I am in desperate need of this money to get my medications.

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 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
TransUnion is Illegally and Knowingly reporting inaccurate information. 


( 1. ) This account is Charged Off, XXXX XXXX are illegally reporting a Past Due Amount of {$14000.00} ( 2. ) This account is Charged Off, XXXX XXXX are illegally reporting a Balance of {$14000.00}

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 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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/XXXX, my wife and I sent letters to the credit bureaus asking them to investigate errors on our credit report. I am attaching a copy of the letter we sent to them. They are supposed to respond within thirty days, but they have not.

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