BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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'm going through financial hardship and instead of declaring bankruptcy, I went to " XXXX XXXX XXXX '' for debt management help. I first spoke with them in XXXX and was told that my XXXX credit card and my two Capital One credit cards had been approved into the program. 
One XX/XX/XXXX both Capital One credit cards accepted payment from " XXXX '' - one in the amount of {$130.00} and the other for {$29.00}. 
On XXXX I was charged a " past due fee '' in the amount of {$38.00} on the card that they had just accepted payment for {$29.00}, the day before. 
On XX/XX/XXXX I was charged {$43.00} in interest - which was not what was discussed in my debt management program, it was supposed to be around 2 %, not the previous 25 %. 
I then received a letter in the mail from Capital One that stated that my account " is currently ineligible for this program ''. I called and spoke to a " XXXX '' on XX/XX/XXXX at XXXX XXXX and when she couldn't find any answers for me - she directed me to write a letter, and gave me an address in Utah. I wrote the letter with my questions and concerns. 
I then received a letter back, about 2 weeks later that stated : " we are unable to fulfill your request through written correspondence '' and then they told me to call Capital One. 
I then, very frustrated called Capital One back - again - and spoke with " XXXX '' at XXXX XXXX on XX/XX/XXXX. She read through all of my information and after an hour and 20 minutes, including a call with " XXXX '' a supervisor that stated that he didn't see any reason why this credit card could not be included in the " XXXX '' debt management program, we then included XXXX in this call. XXXX then initiated the payment plan again - and then was denied - again - about a week later. 
I then called on XX/XX/XXXX and spoke with " XXXX '' for XXXX minutes and still, nothing was resolved, but she said that Capital one was looking into it and I would hear back from them " soon ''. 
I called again today, XX/XX/XXXX and spoke with " XXXX '' at XXXX XXXX   and then a senior account manager " XXXX '' at XXXX XXXX. He said that my credit card is not eligible for a program with XXXX, but he could not state why. 

I'm trying to do the right thing, but I'm struggling to pay my bills while living paycheck to paycheck. Capital One has been no help, I feel that they just don't want to help me so they are just stringing me along. I need help from someone!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report was reporting 120 days late to an account with a XXXX balance. This account has had a XXXX balance over 3 years. I submitted a dispute. It now is reporting XX/XX/2022 thru XXXX XXXX 180 days late in error as well contacted credit card company Comenity and they could not see any balance and was unsure why this was appearing this way. They told me to dispute it with the credit Bureau in which I did and it went from reporting 120 days late to 180 days late 7 times. Thus is severely affecting my ability to receive credit and my ability to purchase 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 non-monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 27 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE, THOSE ACCOUNTS ARE REPORTING INACCURATE INFORMATION ON MY REPORT AND I WOULD LIKE FOR THOSE DEROGATORIES TO BE REMOVE. PLEASE RE-INVESTIGATE THIS MATTER AND UPDATE MY CREDIT FILE WITH THE CORECT INFORMATION.

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 2016-10-03
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Cash advance fee

Complaint:
A credit card issued by Chase Bank stated " Cash Advance Limit '' as {$3400.00} both monthly credit card statements as well as online account details. 

I had a charge of {$9200.00} from a Financial Institution on XX/XX/2016 that was coded as " Cash Advance '' under " Type '' by Chase. Even though the stated Cash Advance Limit was {$3400.00}, Chase allowed a transaction that it coded as " Cash Advance '' to be approved that was much higher than the " Cash Advance Limit '' stated by Chase. 

I was immediately charged a " Transaction Fee '' of {$460.00} and subsequently a " Cash Advance Interest '' of {$150.00}. 

Upon seeing clarification on how Chase Bank could allow a charge coded as " Cash Advance '' that is almost 3 times the " Cash Advance Limit '', Chase Bank responded with a statement " We [ Chase Bank ] may allow some transaction to be processed about [ above ] the credit line or cash line so that our customers do not have to face any kind of embarrassment. '' On further clarification Chase States " there 's an option that prevents you from going over limit. We can place an over limit block on your account. '' This was not made clear on the statement or online nor the fine print on the statement. I consider this as a deceptive practice by Chase Bank and is unclear to the consumers. If Chase is knowingly publishing a clear " Cash Advance Limit '' - it should either abide by it or reword the limit. 

There is no way I would have charged {$9200.00} from the financial institution had I known Chase would code it as " Cash Advance '' and given that the cash advance limit was lower than the charge, I assumed given the charge is from a Financial Institution, in the event Chase codes it as " Cash Advance '' the transaction will be automatically declined. 

I have immediately paid the amount charged as soon possible. 

Attached are copies of the communication from Chase Bank and a screenshot of online account management showing " Cash Advance Limit ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting false information and refuses to fix it. I have 4 student loans that reflect 8 late payments of 90 and 120 days. I have disputed the information and some of the information was corrected but the most imperative has not been changed. My score has decreased by 150 points due to false information. The attached documents clearly shows that all 4 accounts are in good standing. This credit hiccup has affected my entire existence in regards to my business and personal life. I was approved for an SBA Loan and PPP Loan in which was to be used to fuel my Covid-related business related partnership with a nonprofit to help the community. My loans and funds that were set aside for my business were denied during the underwriting process prior to funding. A second lender herd my vision and tried to push my loan through twice and still was unable to get funded to to credit history and delinquent accounts. I am looking for housing and I am not credit worthy to purchase a home and honestly cant even find any temporary housing until I am able to finance due to my score. Please help 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 2019-04-04
Company: CONTRACT CALLERS INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a previous account with Gas south which was paid off to the original creditor and Contract callers stated i owed them money and put a collection on my credit profile and after i showed prove it has been paid off to the original creditor XXXX XXXX. Contract callers updated my collection status on my credit as paid in full instead off deleting it Because i never owed money to begin with.

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 2021-10-08
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
While XXXX and XXXX have properly fixed this issue, XXXX has committed numerous FCRA violations starting with not even ACKNOWLEDGING the certified mailing disputes.

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 2019-10-31
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a HERO loan on our property that we paid off in XXXX of this year. 
I called to notify Lakeview that the loan was paid off and so I needed an Escrow Analysis to recalculate my escrow payment. 
Lakeview refused to do anything without a recalculation for the property taxes, which the tax collector does not put out until XXXX. 
On XX/XX/XXXX, I received my property tax statement and immediately sent it to Lakeview with a request for an escrow analysis to recalculate my escrow payment. I was not given a confirmation number but I did print out the " Thank you for Contacting Us '' auto-response. 
At this point, Lakeview has {$6700.00} sitting in my escrow account. My property taxes are only {$3700.00}. My escrow payment is {$850.00}. 
By XX/XX/XXXX, I still had not received a response so I called back. The customer service representative that I spoke to told me that they had not received my document but that it would not matter because Lakeview would not do an Escrow analysis based on my tax statement, only historical payments and so I would not receive a change in escrow until the XXXX tax year rollout. 
I requested to speak to a supervisor who confirmed that I could, in fact, request an Escrow analysis with my property tax statement and asked that I email it to him which I did. 
On XX/XX/XXXX I received an email from Lakeview stating they received my submission, had escalated the inquiry, and would respond to me within 3 business days. 
By XX/XX/XXXX I still had not heard from Lakeview and called to check status. I was told by the Customer service representative that she spoke to her supervisor and she would look into it and call me back by the end of the day. 
I still have not heard from Lakeview. 
Lakeview has enough in my Escrow account to pay my property taxes almost twice. In addition, they are charging a significantly high amount each month for my escrow payment. If I owed Lakeview this much money they would be assessing fees and penalties already. 
I don't know what else to do to get Lakeview to respond.

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 2021-10-08
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2021 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I filed a complaint with all 3 bureaus and they responded and said all information was updated and they sent out a letter via mail saying they updated information on account. They have not sent any letters. XXXX has set out a report of all information reporting on credit report and I have asked that they update all my information and I also gave them the correct information to update them with. They have not done so.

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 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested personal contact information that does not belong to me be removed several times from each of the Bureaus and they continue to report inaccurate information on my credit report in direct violation of my consumer rights. I believe it is negatively impacting me because there are accounts reporting that I don't recognize as well. I believe the unfamiliar accounts are reporting as a result of all the incorrect information being housed on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
Company: Simon's Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a debt of {$740.00} for medical debts with the health department of XXXX in the city of XXXX, New York, which is being collected by an agency known as the Simon Agency, with which I have already made a payment arrangement. {$61.00} per month, but I have never received a check of the payments and it has only been reflected in my credit report once, which worries me because I am committed to pay without any problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We went to XXXX XXXX 4 years ago and paid in full. Collection Consultants of California are demanding {$490.00} and this is incorrect and not true. They wo n't answer their phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Bread Financial Holdings, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i believe this all started in XXXX 2017 when i purchased a pair of jeans from " XXXX '' the company that handles the money end to which you send your bill is " XXXX ''. Apparently my payment was two days late " unbeknownst to me '' so i got a late fee of {$25.00} i believe it was. I called after i got my second late fee figuring it was settled and that 's where it all started. I talked to a agent who i told my story that i was charged a late fee and this is when he told me my check came in two days late. He said and i quote '' as a one time courtesy i will remove the late fee '' i think i 'm all set but it got worse each time. They continued to bill me late fee every month which i responded to either via the " XXXX '' web site or phone calls from them each time a different person. On three of the calls to me i spoke to a women and i said i was tired of this and wanted to speak to manager well no one ever came to the phone so eventually i hung up, another call a man went thru it all with me said he saw where the mistake was and assured me he fixed it and i was all set, the third not but a week ago said she likes solving issues and wanted my issue be resolved i believed her. She said what happened was that they did remove the late fee but another late fee was already being processed. The man who said he fixed it said the one time courtesy never went thru so who is right? The last women sounded believable so i went with her but yet today i am still receiving bills have been called too many times to count, have been misled and lied to it also has gone on my cerdit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: MO
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 submitting this CFPB Complaint to request an investigation and correction of the following accounts on my credit file, as mandated by the Fair Credit Reporting Act. Firstly, with regard to XXXX XXXX, the balance owed is reported as past due despite the account being closed with a XXXX balance. This indicates inadequate record keeping, and I urge you to correct this immediately. Please provide evidence to support that no false information has been reported, or remove it from my credit file. Secondly, the item reported under XXXX XXXX is inaccurate, as the account is closed with a XXXX balance, yet it is reported as past due. This is concerning and could negatively impact my creditworthiness. I request that you rectify this error without delay. Please provide proof that you have not reported false information, or remove it from my credit file. Lastly, with regards to XXXX XXXX, the account history and payment status are inaccurate. A charge-off should reflect a XXXX balance, and this misinformation is damaging to my credit. Please provide proof of the last payment made, or remove this from my 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 2019-08-28
Company: EQUIFAX, INC.
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:
XXXX and Equifax are incorrectly reporting information on my credit report and I want it fixed now. I have personally spoken with the company I got my loan from and they went above and beyond to correct their side and now because both Equifax and XXXX are incorrectly reporting information it is doing way beyond damage to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings 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:
wells fargo savings account # XXXX. 

On XX/XX/19 {$12.00} wrongfully charged. This was a fee for depositing a check in an atm one day over the 6 month limit. 

I was told I could deposit it up to 6 months from date of check by Wells Fargo employee. But he did not tell me that I actually have one day less when I deposit it through the ATM instead of through the teller. This {$12.00} should be refunded because i was misinformed that I had one day less when using the ATM.

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