BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
Capital One : Fraud case XXXX I reported a fraudulent use of my credit card on XX/XX/XXXX to Capital one when I saw a charge of {$500.00} to XXXX XXXX XXXX XXXX XXXX. Yesterday I received a letter from Capital One denying the fraud claim saying that they had investigated the charge and found it was valid. I spoke to the XXXX department and was escalated several times and received the same answer of denial. I did learn two things from these conversations : 1. The supposed sale took place at XXXXXXXX XXXX in the morning in XXXX ; 2 ) the card was either swiped or used in person. 
I was indeed in XXXX from XXXX late evening from XX/XX/XXXX when my XXXX ship sailed. However at XXXXXXXX XXXX I was asleep on my cabin on the ship with my spouse. There was no way I could have made an in person purchase. Capital One refused to give me any information about the vendor including address. Indeed, I can not find any trace of the vendor. My conclusion is that when I visited the XXXX XXXX on XX/XX/XXXX ( and made no purchases or went into any storeswith a personal guide ) my credit card information was somehow electronically stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XXXX XXXX, 2021 - USAA decided to close my checking account that I've with them for over 9 years due to due to a negative balance that they did not give me a chance to clear or make payments on, they just closed my account. ( So much for loyal valued customer ) On XXXX XXXX an ACH deposit was made in error to that closed account. USAA then decides to reopen the account to accept the funds and apply it to an " over 60 days CLOSED - CHARGED OFF ACCOUNT. '' I called in on XXXX XXXX to find out the nature of the deposit and when I contacted the sender I was advised that the funds would need to be returned as the deposit was submitted in error. " As long as the account is closed then the bank would reject the deposit, and everything would even out '' stated the call center representative of the sending account. I immediately called USAA and they REFUSE to return the deposit. I've been on the phone for over 5 hours and counting, instead of disconnecting the call they keep transferring me back into the call que to start over from scratch with a new agent. Not one time has even a supervisor made an attempt to call me back when the call " drops '' so I just keep going in circles. 
I've been given what I'd like to call " false solutions '' just to get me off the phone ( such as my request has been fulfilled ; it will be processed ; it can not be processed ; the deposit has to post ; the deposit has already posted to the account ; they are unable to reject the deposit ) but every time I request for these " solutions '' to be submitted in writing and uploaded to my account ( a service USAA does ALL the time ) all of a sudden no one can put it in writing. 
It seems USAA is abusing their right to accept deposits after an account has been officially closed and charged off. This is also a first-time deposit NOT a reoccurring deposit there no reason this deposit should've been accepted on a closed account. If the customer is requesting for the deposit to be returned to sender, it can be honored and should be honored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been comparing all three credit report there are accounts that were included in an alleged bankruptcy ( that has been removed ) that are inaccurate. There are also other accounts that are showing they closed on one date but are reporting after the closed date. Other are showing that it opened had been reported but nothing is showing for the month under history. I am asking that the following account be removed. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( these is an open account but reporting inaccurate so remove please )

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 2022-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
I would like to start by informing you that when I started this process there were no selections for my specific situation, so I chose the closest ones that matched and will elaborate here. On XX/XX/22, I filed a claim with Capital One after being scammed by a paralegal to whom I paid {$1600.00} for legal aid in my child custody case. Immediately after I paid the fee, the paralegal dropped all communication with me. More than two months after filing my claim with Capital One, and after numerous conversations with it's Representatives during that time, I have still been unable to reach a person who can help me with my case. I have been personally victimized, and I am very sad to say that this is a straight forward scam situation. There should be some protocol for situations such as mine. With all the hours I have patiently spent on the phone with Capital One reps, not one person can competently take the necessary steps to resolve my case, or at bare minimum, comprehend the severity of the situation and the impact it is having on a mother of XXXX going through a XXXX. I must point out that none of the representative I have spoken with speak English fluently and I know that they are unable to understand me. Because of their inability to understand my words, I have been passed around to the same two departments, Customer Service and Disputes over the past two months. On XX/XX/22, I submitted supporting documentation to Capital One. On XX/XX/22 I called to follow up and I was informed that my info wasn't received, so I resent it that same day. During the conversation which took place the same day, I was told that no changes would be made to my account and my items would be reviewed. On XX/XX/22 Capital One withdrew {$1600.00} from my account, without notice or my knowledge, leaving me with a NEGATIVE balance of - {$1600.00} and in danger of my account being closed, likely also without notice. I would like to speak to someone in a supervisory position who can help to correct this negative balance to maintain my account, and to discuss how Capital One can assure me that everything is being done to handle my sensitive case so that this scam situation isn't repeated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have been sending disputes over the last six months in order to have some inaccurate accounts deleted from my credit report. To give them credit they have deleted most of the accounts so Im grateful for that. However, there is still an account remaining that is inaccurate. I disputed the account in question last month but it wasnt deleted or updated to never late. All 3 credit bureaus are reporting different information for the same account which is a clear violation. Also, XXXX has determined my account to be reported as never late. This is all my proof for the account needing to be fixed immediately. Its extremely important for me to have this matter resolved as my credit score has been holding me back from moving forward in life.

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 2023-09-09
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
About an hour ago, I received 4 emails. The first was from XXXX XXXX ( XXXX ) : " Thank you for taking the time to meet with me and for setting up your access to Chase Online. If you have not done so already, we encourage you to download the Chase Mobile App1. Together the Chase Mobile App and Chase.com give you the ability to bank virtually anywhere at any time. 

Please feel free to reach out to me directly with any questions. 

Thank you. '' - 2nd email I received, from Chase ( XXXX ) : We ordered your new card As you requested, you've been issued a new debit or ATM card. 

Here 's what comes next : - Your card will arrive in a plain envelope in a few days. 
- You can activate your new card by using it at an ATM or calling the number on the front of the card. 
- If your previous card was in your mobile wallet and you'd like to add your new one, follow the instructions in your wallet app. 
Didn't request a new card? 
Call us immediately at the number on the back of your card or, if you don't have one with you, visit chase.com/CustomerService to find the best way to notify us. 


3rd one, also from Chase ( XXXX ) : We've updated your email address Dear XXXX XXXX XXXX As you requested, we've updated your email address. 

If you didn't request this change : Call us immediately at the number on the back of your card. 

If you don't have a card, you can visit chase.com/CustomerService to find the best phone number. 


4th one, from Chase ( XXXX ) : Your email address update is complete If you asked us to make this change, you're all set. 

If you didn't make this request, call us immediately at XXXX or visit chase.com/CustomerService. 


***I wrote back to the first one, and XXXX XXXX back to me telling me to call him at the number below. I didn't call, and came to this website to report what happened. Yikes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I hope this message finds you well. I am writing to follow up on my original complaint regarding the inaccuracies in my credit report, for which I submitted a formal complaint and attached a letter to Experian. 

As outlined in my original complaint letter, I made specific requests in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ). I demanded that Experian provide all necessary communications conducted to verify the accuracy of the accounts listed in my credit report. This includes, but is not limited to, the date of communication, the person spoken to at the debtor 's office, all communication furnished by the debtor, the contract signed under my name, and the authorization to report this information on my credit report. 

Accounts in question - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite these clear requests, the attached letter from Experian dated XX/XX/2023 indicates that an investigation was conducted, but crucial information was not provided as per my original demands. This, unfortunately, is a clear violation of my rights under FCRA, 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ). 

I am disappointed that Experian has not complied with my requests, and I reiterate my demand for the verification of the accounts in question or their immediate removal from my credit report. It is essential that Experian fulfills its obligations under the FCRA to ensure the accuracy of the information reported. 

I kindly request your urgent attention to this matter and a prompt resolution. Please provide a detailed response addressing the specific information requested in my original complaint letter. Your cooperation in rectifying this situation is appreciated. 

Thank you for your prompt attention to this matter.

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 2020-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
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:
On XXXX, we applied for a personal auto loan through Bank of America and were approved immediately online. We applied on our own, **NOT** through any dealership. On XX/XX/XXXX, we purchased a vehicle from XXXX XXXX XXXX in XXXX, Oregon. The salesperson, XXXX XXXX, insisted on us giving her our employment information, address verification, social security number, etc. I verified and asked **SEVERAL** times during the call, that she would **NOT** be using this information to pull our credit since we already had a loan. She assured us they would not be pulling our credit. 

Low and behold, on XX/XX/XXXX, they submitted our information to Bank of America AGAIN,  despite the fact that we already had financing through them, despite the fact that we were assured they would not be pulling our credit, and despite the fact that they did **NOT** have our authorization or signature to do such a thing. 

Since we check our XXXX report often, we were shocked to see a second hard inquiry on both of our credit reports. I immediately called both Bank of America and the dealership, who each admitted it was a mistake but said there was nothing they could do about it. The bank told me I had to fax in a letter requesting the unauthorized hard inquiry be removed from our credit. I faxed a letter to Bank of America on XX/XX/XXXX. I received a letter in the mail today stating that " all of the information that is being reported is accurate '' and they will " not be removing the inquiry from our credit. '' This makes no sense as we did not even authorize the inquiry. 

I would like to file a complaint against XXXX XXXX XXXX for applying for credit at Bank of America on our behalf without our authorization or signature. The hard inquiry will remain on our reports for TWO YEARS. Absolutely ridiculous.

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 2017-07-28
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have written and sent a check to Walmart/SYNCB back in XXXX. I have called Walmart Credit Card services multiple times. The first time an employee hung up on me and the second time the manager had told me she would contact me once she found anything out. The company billing manager never returned my phone call. I called yesterday X/XX/17 and the billing manager XXXX was denying my payment. I have a copy of the check that was written and it was cashed XX/XX/XXXX. The payment must have been submitted to the wrong account but Walmart is not admitting to their mistake. I faxed over a copy of the check and the back of the check stating it was cashed. I am not sure what else I can do. I sent a check to pay off the card but they are telling me they have n't received it. I have proof stating I have and it 's been cashed. It is putting my account past due and going to show on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX, due to identity theft, a person was able to access my Experian account. They were able to actually change the email address on my Experian account. This person was able to do this because unlike most services, Experian inexplicably does not offer XXXX factor authentication on their accounts. Anyone who knows some basic information about a third party can relatively easily fraudulently access the Experian account of that person. Someone who has already stolen data like social security number can use this stolen information to gain access to an Experian account. This is what happened to me. 

When I found this, Experian did lock my account. They advised me to send in certain verification materials, such as proof of residence, legal photo identification, etc. I did this and confirmed via XXXX that my materials were delivered to Experian on XX/XX/XXXX. These investigations are supposed to take XXXX business days, but it has been more than 2 months and I have heard nothing. When I email to ask about the status, I only get extremely vague answers, like this XXXX from XX/XX/XXXX : " Since there is a lot of pending request, Please wait for the confirmation email. '' It has been almost a month since then and nothing. 

I need to lift freezes on my Experian account to apply for a new credit card and for a credit check that will be done on a new apartment, but my account is locked due to this issue. There is no indication as to when it might be resolved.

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 2022-01-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We deposited a check on XX/XX/2022 for {$12000.00} into our family limited liability company account at Sun Trust branch in XXXX XXXX XXXX, FL. On XX/XX/2022, Sun Trust advised us that the issuer of the check was likely not to pay although they are a well established jewelry company in XXXX and placed a hold on our account for 10 days. 

Thereafter, a personal creditor filed a personal judgment against our corporate account and Sun Trust placed a hold on Company account. 

Our lawyer has spent hours trying to reach the Legal Department of Sun Trust to explain that the hold is illegal and improper. The branch manager refused to give us any way to contact the Legal Department of Sun Trust.

This is simply outrageous way for a bank to conduct its affairs. 

Sun Trust should be sanctioned and made to divulge to consumers such as myself the availability of the Legal Department.

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 2022-12-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05
Company: LD Holdings Group, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan was payed in full XX/XX/27 I have not received my Escrow Balance as of XXXX, despite them supposedly sending it. Since I am required to send things certified, they should have sent my escrow refund certified or as a cashiers check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: Experian Information Solutions Inc.
State: AL
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:
The credit reporting agency has refused to investigate various creditor that I believe are report information incorrect on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized ACCOUNTS that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief