BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a capital one saving account with a promotion to receive {$450.00} after maintaining and average daily ending balance of {$50000.00}. I maintained an ending balance of {$50000.00} or more for more than 90 days. On XX/XX/XXXX I deposited an additional {$20.00} to my account. When the funds became available on XX/XX/XXXX when my balance was {$50000.00} I withdrew {$20.00} to my checking account. I never received my full {$450.00} credit. Capital states this is because the {$20.00} withdrawal came out of the {$50000.00} initial deposit. My ending baled was at {$50000.00} or greater for each of the 90 days of opening the account. Capital one states that the transfer of {$20.00} into my account did not post until XX/XX/XXXX but the funds were made available to my balance on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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:
The credit card company, set a past due amount, when I had paid the account in full. The bill me for yearly, credit card protection with out notifying me of the new balance. The past due fees were cancel and dismissed by the credit card company after being notified by me. I disputed the past due in my credit report, but it was never deleted.

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 2022-09-15
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX Balance : {$36000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 thi CFPB Complaint to you today in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this, I am now asking you for more information regarding these particular items in question. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I has an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-07-15
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX. As a US bank client, I never opt in overdraft protection, I do NOT need it at all. However, US bank repeatedly charged me in total 9 overdraft fees ( {$36.00} each ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, respectively. I did not see any reason US bank should charge me any overdraft fees as I never switch on the overdraft protection. 

2. I called the customer twice and the manager ( a super nice man ) promised to waiver all the charged overdraft fees as he agreed that : 1 ) I encountered fiscal issues during the pandemic which is ubiquitous and understandable ; 2 ) I never opt in overdraft protection so US bank had no reason to charge me.

3. I got the first 5 out of 9 overdraft fees waivered, however, the latter 4 is still in the air and I called again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, however, US bank refused to waive the fee at this time. 

4. The latter 4 overdraft fees were repeatedly charged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX when my account balance was more than XXXX  ( please refer to the attached file for more details ), which is really insane.

5. I felt I have wasted too much time on this piece of thing and hope it will be addressed ASAP. I honestly do not see any reason that US bank should charge any overdraft fee when my account balance is positive. Their malfunction banking system adversely impacted my life as I need to spend time dealing with the mistake they made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: Account information incorrect

Complaint:
My XXXX account was paid off. I checked my credit 6 months later XX/XX/XXXX and it was still on my credit as balance due. It does say {$0.00} past due but also reflects a balance of {$710.00}. This amount was satisfied inXX/XX/2022. I did have correspondence with them and they acknowledged that it would be removed. However todayXX/XX/2023 the balance still reflects {$710.00} on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I mailed Diversified Consulants in XXXX a certified Letter *copy attached* for debt validation, according to the USPS it was received in their offices on XX/XX/XXXX, I requested validation of a debt they are reporting on my credit report .After 33 days I have received nothing from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: GA
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:
1. I was trying to buy a home and realized that i had damages on my report. According to 15 U.S.C 1681 laws there should not be any damages on my credit report. its a defimation of my character. 

2. In 2021, I purchased a car and to my surprise I see several hard inquiries for the same loan and I never gave permission to this. The only company that had permission to pull my credit report was XXXX XXXX as they were financing my loan. The dealer finance department did not communicate this with me, and made several fraudulent puls on my account, They took advantage of the fact that this was my first time purchasing a car. I came in with a pre-approval offer from XXXX XXXX. I did not authorize XXXX XXXX  Inquiry : XXXX XXXX, 2021 ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Balance Owed : $ XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX XX/XX/2021 According to FCRA Section605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: NC
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:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX : {$9300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Nelnet, Inc.
State: AZ
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:
Hello, Per the CAREs act I submitted a refund request for payments done after XX/XX/XXXX to Great Lakes on XX/XX/XXXX. While the payment went through initially, I was called a couple of days later by a rep stating that since some of the payments had been done from a third-party they were not able to issue a refund. 

I contacted the Federal Student Aid office and they told me that Great Lakes is required to refund me the total amount even if the payment was done by a third party. They asked me to share with them the following Q & A ( Attached ) : Important part ( " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. '' ) https : //studentaid.gov/debt-relief-announcement/one-time-cancellation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX we started the process of purchasing a short sale HUD home from Chase Bank at XXXX XXXX de XXXX, and during this time we learned that the sellers insurance funded money for a new roof to be installed for the amount of {$7600.00}. XXXX XXXX and XXXX was the third party assisting with the purchase and process of the roof funds for the roof installation. 
Attach is in the correspondence between the seller, Chase Bank, XXXX XXXX, the XXXX XXXX, and us. 
There are several e-mails going from Chase Bank to XXXX XXXX, for the roofers credentials and other items in the attach e-mails. 
This process continued beyond the close of escrow on XX/XX/XXXX. On XX/XX/XXXX the third party helping us at XXXX XXXX notified us that she was locked out of communication with Chase Bank and Chase Bank no longer would recognize her as a third party in this transaction. We soon found out that the funds for the roof were applied to the prior mortgage of the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I closed my American Express ( AmEx ) Platinum card account earlier this year because American Express had failed to deliver on its promise to giving points for a stay at a luxury hotel even though they'd stated multiple times they would. I then later decided to reinstate my account to which they say I could not do that and had to start a full new application ( a process wherein they'd re-check my qualifications/credit from scratch again ) which I was a bit surprised about especially since I've been a member of AmEx in one or another for over 20 years. So I took the hit on my credit again during their re-application process and they stated at the time and repeatedly during follow up conversations with their agents on the phone that because this was a new application that I'd get new membership welcome reward points if I spend a certain amount by a certain date. I got accepted for a new card and proceeded to spend as much as possible on my card ( and was checking periodically along the way with AmEx agents who kept on confirming that I was closer and closer to the goal of getting my welcome reward points ). After reaching the target for getting the signing bonus points, XXXX changed their mind and stated that the signing points bonus were now supposedly only meant for 'brand new ' applicants which they had never never talked about before! I found that reversal both sad, disturbing, and frankly dishonest, especially because multiple AmEx agents had confirmed I'd get those points if I kept on spending and reaching the stated goal. Please also note that my new card does not have the same number as the old one I had so for all intent and purposes I'm a new applicant even from their perspective! As you can tell by my story it's the second time AmEx does not fulfill its part of the deal for a card that's marketed primarily as a reward-type card and for which I pay over {$690.00} a year in membership fee!! Additionally, when I closed my prior card/account I never got the points that were left on that old account but for some reason they don't consider these old points mine and didn't give them back when I open a new card -even though they pretend that I'm not a 'new " applicant. Quite contradictory as you can tell. Thanks in advance for your help and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I called BMO Harris Bank customer service at the beginning of this month. No matter which option I dialed the hold que was supposed to be one and half hours. However I was on hold for around two hours until finally someone took my call. It was a very simple request to stop a pending payment for a bill.

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 2019-09-09
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
SO i started with fedloan the consodilation on XX/XX/31 my name is XXXX XXXX i was told i had to pay XXXX for the first 3 months after my first payment i found out the XXXX $ was never even going towards my loan in which i was super upset about because the man XXXX never explained that to me in which i assumed it goes towards my loan because why else would i be ok sending XXXX $ After being upset about that another teller explained that they are better than navient because they dont charge interest for paying back the loan so i should stick with them remind you this is almost verbatim of what he said so i thought well no interest i can spare XXXX $ for that after paying all 3 payments i was told i only dont have to pay interest for the first 3 years in which that completely upset me because it was one of the reasons i didnt go back on the whole process in the beginning. Then afer all this i start seeing interest accumulating on my account now up to XXXX $ when i complained they told me that consolidation is not done yet and that is why i am getting interest so now im completely furious by now since this is far from the deal now the 90 days has been passed and it has now been 101 days and literally daily they are accumulating interest saying it wont stop until its completed. Im upset that i ever even paid XXXX $ for this flock of lies. I honestly am not okay with none of this situation and want to see what someone can do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: NC
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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to 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 2021-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi I would like to ask help on this matter with Equifax because so many times I try to XXXX and also I wrote a letter to this creditor for I dont have any score from them and I request the file from them as well but they did not help me and the reason was because recently I did not have any credit and also they were saying theres no activity more than 10 years and theyre saying it doesnt show that Im leaving in US they dont have my Social Security number but this is absolutely wrong because I wrote them a letter with my Social Security my identification with two major also billing address and my current address and also when I apply for any credit even secure they said based on Equifax Report we can not approve you I would like to address this matter since they are not helping me I appreciate it sincerely

Company response to consumer: Closed with explanation