BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CapitalOne closed my cash back credit card, because according to them, " We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family, or household purposes. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: EQUIFAX, INC.
State: NJ
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I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Bank XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct # XXXX THD/CBNA Acct # XXXX XXXX CARD Acct # XXXX XXXX BANK XXXX # XXXX XXXX BANK NA Acct # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XXXX/XXXX/XXXX, payment was received by XXXX XXXX XXXX in the amount of {$69.00}. Of which {$34.00} was disbursed to XXXX XXXX same day. 

Also, XXXX XXXX had just received its disbursal for {$250.00} on XXXX/XXXX/XXXX, which is around the usual date for that payment. But fours days later, on XXXX/XXXX/XXXX there was a new civil action by XXXX XXXX on my credit alert for the Last {$34.00} owed to them. On XXXX/XXXX/XXXX I made my final payment ever to XXXX XXXX Counseling which they disbursed to XXXX XXXX on the same day. However I received XXXX more credit alerts. Another XXXX XXXX by XXXX XXXX on XXXX/XXXX/XXXX and a charge off account notice on XXXX/XXXX/XXXX by XXXX XXXX. These are all showing as derogatory remarks on my credit report and I would like them deleted please. Thanks.

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 2019-08-05
Company: CASHCALL, INC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Keep getting phone call from XXXX XXXX, XXXX XXXX XXXX claiming money owed of approximate {$7000.00}. from 2011. I do not recall ever doing a Payday loan. He keep threatening me with court documents. Mr. XXXX claims he is an arbitrator for the company. I requested documents and he stated I could not get them until I went to court. I have no court date and he says that he would have to have law enforcement to serve me. I am disturbed about this and very concerned that they can arrest me or have me sitting in court. Please help.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
SunTrust received funds deposited via check from another local bank on XX/XX/XXXX and XX/XX/2021. Funds from said deposited checks cleared within 1-2 days, yet SunTrust put an arbitrary two-week HOLD on the funds, preventing the owner of the funds from accessing them. 

As a result, multiple ACH transfers of those funds to a third party were denied by SunTrust. This resulted in significant fees from SunTrust and substantial financial consequences related to the third party entity that was expecting to receive the funds.

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 2018-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have absolutely no idea what this account is, I have never opened a account with this creditor nor this debt collection agency and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

The account XXXX XXXX for {$950.00} with the balance date ( XX/XX/XXXX )??!?!?!?! And Kohls/XXXX for {$600.00} I have never had a Kohls account nor have I opened a card or left a balance of anywhere near {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Possible Financial Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the POSSIBLEFINA still remains on my credit report in violation of Federal Law. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Exeter Finance Corp.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a Auto loan with EXETER FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and EXETER FIN with no successful resolution. XXXX, XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never lates in XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
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: Information belongs to someone else

Complaint:
A fraudulent account ( s ) has appeared on my personal credit file

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 2017-11-09
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XXXX/XXXX/XXXX, payment was received by XXXX XXXX XXXX in the amount of {$69.00}. Of which {$34.00} was disbursed to XXXX XXXX same day. 

Also, AMERICAN Express had just received its disbursal for {$250.00} on XXXX/XXXX/XXXX, which is around the usual date for that payment. But fours days later, on XXXX/XXXX/XXXX there was a new civil action by American Express on my credit alert for the Last {$34.00} owed to them. On XXXX/XXXX/XXXX I made my final payment ever to XXXX XXXX Counseling which they disbursed to American Express on the same day. However I received XXXX more credit alerts. Another XXXX XXXX by American Express on XXXX/XXXX/XXXX and a charge off account notice on XXXX/XXXX/XXXX by American Express. These are all showing as derogatory remarks on my credit report and I would like them deleted please. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ID ALLEGE CRIMES AGAINST ME BY XXXX XXXX XXXX COMING OUT OF XXXX XXXX WHICH FBI & XXXX ATTORNEY ARREST XXXX XXXX, NOT RELATED TO CRIMES BUT STATEMENTS OF OFFICIALS ATTEST TO CONCERN, THEREFORE REQUEST THEIR ATTENTION TO ALSO XXXX 'S XXXX CHAIRMAN DIRECT FRAUD PERMITTED XXXX XXXX XXXX INSURANCE, KENTUCKY, BUT LEFT EMPLOYMENT XXXX XXXX XXXX XXXX XXXX AND APPROVED XXXX AND XXXX, XXXX FEDERAL XXXX XXXX TO ALLOW NO OVERSIGHT MEDICATION OR PROCEDURES.. JP MORGAN XXXX XXXX XXXX ACCOUNT OPENED FOR PENSION CHECK, BUT DENY DEBIT CARD COUNTER TO XXXX XXXX XXXX VI ELECTRONIC TRANSFER FUNDS ACT THEN DIRECT TO PENSION AT XXXX XXXX XXXX XXXX BUFFET XXXX BIG NO ONE TOUCH FRAUD, BUT NOT MY SS NUMBER, ERROR TO XXXX 'S XXXX I WILL NOT ADDRESS SINCE CLERICAL ERROR AND HUGE FANNIE MAE MORTGAGE TO XXXX XXXX XXXX XXXX HOUSES STILL INVOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Experian Information Solutions Inc.
State: WA
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 had ID theft and 2 fraudulent items are on my credit report. I reported this to all 3 companies YEARS ago ... all but Experian have removed it. I have notified them several times and they are still showing on my report. Not only were the cards not mine but then they " served papers '' to someone at a house I used to live at ... then got a default judgment because I was not there. They served a woman one of the judgements and the other was a man XXXX XXXX in XXXX and I am XXXX XXXX and a man. I live in Washington and the address they served was in New York. I tried to file request with NY to remove default judgment HOWEVER they said I had to go to NY ( I live in WA ). please help!

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 2020-11-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
The credit issuer Comenity Bank issued a BJ 's Perk card based on application I submitted. I was able to make a handful of charges. Then suddenly without notice, the card was abruptly closed and future charges declined. 

The bank gave out a cookie cutter response that it is related to credit scoring. However, I find that to be incorrect, and even a lie and a bunch of horse XXXX XXXX. 

Why would they approve the card, allow about {$2000.00} to charge to it, I make normal payments, then they close without due process. It cause irreparable damage to my scoring, and an embarrassment at the points of sale. 

Further more, I am being duly denied of my discounts offered by the use of the card, and many other collateral losses. 

I demand reprimand to this card issuer, or the reopening of the Elite Mastercard subject of this complaint. 

My complaint reference to the bank is dated XX/XX/2020 reference No. XXXX, spoke with XXXX ID No. XXXX senior advisor. 

Furthermore, I requested a transactional letter detailing the events, but they were not willing to provide any documentation related to my file other than a computer generated generic letter with the lame excuse they continue to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Bread Financial Holdings, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We were unaware that our credit card had a balance. They first called on XX/XX/XXXX. I told them I was unaware of this debit. 

They called again the next day. We told them to stop calling we will pay it. 

Everyday they call up to 6 times a day. We finally called then on Friday XX/XX/XXXX and told then again to stop calling. They said their system is automated and can not stop. 

Again today XX/XX/XXXX they have called 7 times and we again told them to stop calling. 

They are harassing us daily, multiple times a day call all numbers even ones that was not listed on the account which they acquired some other way. 

These numbers are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

They won't stop harassing us Zales credit through XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17
Company: CAPITAL ONE FINANCIAL 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:
Capital One Bank USA shows an account " charge-off '' under my social security number in XXXX, yet there are still reporting late payments and recent as XX/XX/XXXX on XXXX  & XXXX  credit reports. This is illegal and this account needs to be deleted. Also this account is outside of Maryland 's statue of limitation law, whereas a credit card debt can not be collected on after ( 3 ) years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions 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:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-10-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed against my will. I had just purchased a new business, and funded both XXXX personal account and business account with monies from a LOC to be used as working capital. Without warning, chase closed both my business and personal accounts and it's currently holding my money. They've repaid my business balance but my personal account had over XXXX $ in it. I have yet to recieve those funds. It's been over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX THis account has re-appeared on my credit report. I filled a dispute in XX/XX/XXXX due to the fact this account was not mine. The account was removed from my report on XX/XX/XXXX but it has now re-appeared. I have attached a copy of my report showing the account removed and a copy of my report showing the account reappeared.

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 2021-04-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I began the process to refinance my home with my existing lender, NewRez. It is now mid XX/XX/XXXX and the process is still pending. I continually check in with them and when they do respond I am told to look at their customer portal on their customer application or am told that they are waiting for documents that I was never made aware of. The customer portal on their app is no help as it is full of inaccuracies such as the estimated closing date being XXXX/XXXX/XXXX. I have made it a point to provide them with requested documents within 24hours of me learning about it but it seems the longer they take the more they need updated documents like paystubs and bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 cancelled a newspaper subscription back in XX/XX/2019. Despite my cancellation with the newspaper subscriber, my credit card will still charged on XX/XX/2019. I called the merchant on XX/XX/2019 and they refused to refund my credit card. I called Capital One ( my credit card company ) on XX/XX/2019 and asked for the merchant to be blocked, to which the representative refused to honor my request. She told me that is not a possible thing to do. I spoke with a representative in the Capital One Corporate Office and explained my frustrations. She assured me she will address this and connected me with some " higher raking '' customer service representative. She supposedly blocked the merchant and honored a final credit of the unauthorized amount that was charged to my account. I never initiated a dispute, but apparently Capital One did so on my behalf. In a final resolution letter dated XX/XX/2019, I was specifically told the following : " Your credit will remain on your account, and there's nothing you'll need to do. At this time, we consider your case closed even if we provide you with additional details. '' However, on XX/XX/2019, my credit card account was re-billed for the " disputed '' amount stemming from the XX/XX/2019 merchant block request. I spoke with a customer service manager on XX/XX/2019 and was told that the merchant was never blocked from my account and Capital One decided to re-bill my account based upon a refund from the merchant ( back in XXXX, not related to this dispute, and known at the time of final credit resolution ). At this time, Capital One refuses to honor their final credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: OH
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:
XX/XX/2022 i spoke with representatives at XXXX, equifax, and XXXX about validating ( not to be confused with verifying ) of reportings on my credit report, they were unable too. i then asked them for a copy of when i sent any written documents of permissible purpose to validate the inquiries in question and i asked them for an audit trail, again they were unable too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions Inc.
State: MS
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 INDIVIDUAL-ACCOUNT # XXXX, had violated my rights. 

15 U.S.C 1681 section 602A, states I have the right to privacy 15 U.S.C 1681 section 604A states I 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 explanation
Consumer complaint received 2021-10-16
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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