BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have sent n numerous request to XXXX about my credit report being inaccurate and things being erroneously reported. I have contacted the creditor as well and was told that they had contacted the bureau of the mistake. Well the information has not been changed nor deleted. I feel as though my rights have been violated I am asking for an investigation to take place with experian. My credit score has been affected due to the wrong information. I first reported on XX/XX/2020. I have been stressed during this pandemic and some things have been delayed, I have also had a financial hardship and need to get my credit back in order. It is really taking up alot of my time to get no results.

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 2021-02-23
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Im a XXXX  seller who has been selling valuable items that I had to get my money together during COVID. I have sold items such as XXXX, and a XXXX and those buyers were proud with there order but I didnt get my money which hurts. So now those people are going around flexing with my items while my money is on hold for 180 days. I think PayPal is being a little overprotective by putting my money on 180 day hold because I dont do fraud or any negative activity, and if you check my PayPal account you will mainly see only XXXX  orders. Im a dedicated XXXX seller who wants to make a brand called XXXX and sell expensive jewelry and designer clothes Ive received in the music industry. I created other PayPal accounts because I felt that PayPal tried to stop me from making money during this rough time in my life. Ive contacted PayPal multiple of times and I get the same email saying I have to wait. The PayPal email Im contacted to work on is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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: Information belongs to someone else

Complaint:
Saw today on my Experian Credit Report. XXXX XXXX XXXX from Original Creditor : XXXX XXXX XXXX XXXX I owe {$450.00}. This is wrong. I never went to XXXX XXXX XXXX. This account dose not belong to me. I am a victim of identity theft. This is not my account need to be taken off Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Formerly, I made an investigation of some account with inaccurate information in my file. I recognized that the account XXXX  XXXX Date opened XX/XX/XXXX is still incorrect, with a confirmed status.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to FIX this account ( A ). 
XXXX XXXX Date opened XX/XX/XXXX Balance {$100000.00} Never Paid Late. The records reflect a 90 days late on XX/XX/XXXX without preceding 30 or 60 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate. Per FCRA, reporting must be 100 % accurate. Fix negative marks that damages my entire 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 2021-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
You guys did a charge back on my fraud and when i tried to call you guys about it. Everyone doesn't know what's going on and they kept transferring me to another person, I kept getting yell at and i'm tired of calling and speaking with you guys over the phone, during this time of pandemic it just show how much you guys hate other people still, i dont know what kind of training you guys have going on but it needs to stop!! the charge back was 4 of them on XX/XX/2021. If you guys can't help me or fix it then no body deserve to be apart of capital one. this company is turning to be more " XXXX 's '' I'll see how you guys handle this situation and see what right. If not i'll find a way to let everyone know about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A balance transfer of {$4000.00} was posted to my USAA credit card on XX/XX/XXXX. This is a bogus transfer to my USAA account. I contacted USAA on XX/XX/XXXX and informed them that his was a bogus transaction. I was told they would correct the transaction in 2 to 5 business days. I called again on Friday to make sure there were no problems with their protocol. Today, XX/XX/XXXX, I called to find out why the {$4000.00} amount was still showing up on my account. I got the run around again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of {$3400.00} on XX/XX/XXXX. The payment was a balance transfer. The bank refuses to apply this payment to my account, the bank opened disputes with no notification. They charged me interest on the amount that should have been paid off. I was never notified there was a problem with the payment. Its been 3 months, they still refuse to fix my account and credit the payment from 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 monetary relief
Consumer complaint received 2022-08-16
Company: North State Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since helping a friend and cosign for a car, I've noticed my credit has plunged. Payments are up to date and paid on time if not well in advance and over the actual payment needed. After investigating further into this, I was made aware that only three of nine payments made are being reported to credit score. I have tried everything to get off this loan, refinance, trade, simply take my name off and everywhere says the same. North state acceptance is not reporting to credit and I am simply stuck at this company and at their discretion which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My bill was due on XX/XX/28 and I paid it in full on XXXX. The statement closed a few days later and I was still charged interest. I paid double the statement balance and still charged interest on what I had already paid. I chatted with amex this morning and they waived XXXX of interest but not anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: ID
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. I have attached a redacted police report XXXX eliminating photos and text because of the size of the file exceeding 10mg ). I am asking the government to please review the information, and if needed, I can provided an original company via mail of the complete police report conducted by XXXX Police 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 explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: LA
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: AMERICAN HONDA FINANCE CORP
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I called Honda Financial Service on XX/XX/2020 and after a extremely long wait time >44 minutes. I finally spoke to a customer support person. Per the new lending institution I requested a Lease Buyout Packet,  however the Honda rep said due to security they could snail mail and/or fax it. I provided the new lending agents name and fax number requesting it be fax 'd to his attention. I reiterated my request and pertinent information, the rep said it would be sent out. This was done late morning on the XXXX and fully expected it to arrive by EOD on the XXXX and/or latest by morning of XX/XX/2020. I contacted the new lending institution on XX/XX/2020 to see if he had received the fax and he responded a negative but did verify his fax machine was operational. 
I failed to get his name or identity and didn't ask the turn around time but did mention it was time sensitive since the we were intending to close this out prior to next required pay date. I went on XXXX XXXX   website to see if I could get the required information and did find a way to get a pay out amount and what date it was good to and I emailed that to the new lending institution but he said that info was not sufficient for his requirements and did in fact need the Lease Buyout Packet originally requested.

I again called Honda Financial on XX/XX/2020 and again spent an inordinate amount of time >1 hour  waiting for a live pickup. This time I requested the support person 's name, XXXX, and explained to her what transpired the previous day and asked why the requested information was never sent. She had all of the right information, new lending agent 's name and fax number from yesterday 's call. I asked her how much time should be expected to get a simple fax out and she agreed it shouldn't be too long. I'm assuming it's an automated process. She said she would resend, I gave her the new lender 's direct phone number so she could validate it was received. She placed me on hold and attempted to call the new lender but did not receive validation. I subsequently emailed the new lender and awaiting feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
l was sent an invitation to apply for a Capital One credit card. l read through the disclosures. The only explicit 'terms ' were the APR 's. Now l 'm being charged monthly for purchases l 've ALREADY paid the interest! They STILL are charging me the same amount to month ro month (! ) on interest already paid- at the time of purchase ; yet they STILL charge me on the same on purchases EVERY MONTH! 
l 've tried, to no avail to rectify this. Even up to corporate offices. They are immovable! They say, 'we understand. But nothing can be done '! l explained l 've already paid THAT interest! And you continue to charge me for the same purchases for which l 've already paid! ' Still, they remain unmovable!! l explained " this was borderline racketeering ; fraudulent, etc ... '' They remain unmovable! 
Please! help me! Else me, nor ANYONE will ever get their balance off, nor paid down! Last month as in the previous, l paid MORE than the minimum. Still they charged me half (! ) of my payment 'on interest for purchases ' ; which l '' ve NOT made ANY purchases!! 
Thanj you, regards, please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: OH
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 unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: GA
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 been a victim of identity theft and i am trying to have items removed from my credit report that do not belong to me. Every year i am required by the IRS to file my taxes with a security code due to this issue. There were tax refunds issued out to certain individuals under my name which the IRS themselves made me aware of. I sent a the items that i want disputed including a legal letter from FTC to all 3 credit bureaus. Experian is stating that they did not recieve it however i have proof that the certified package was indeed recieved and signed for by their organization. It has been over a month and i havent gotten any feedback or resolutions to these items. These items are causing my credit score to drop drastically and has been the reason for me not to qualify for a home ro certain job opportunities. I need these items removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We started receiving letters from vendors to whom we sent checks that our checks bounced due to our joint checking account being " frozen ''. I contact Bank of America, and was told that yes, they froze our account. The claim that they send one letter to my wife ( joint account holder on the account for 30 years ), asking her to call a number to verify some information. That letter was never received by my wife. Frankly, even if such a letter was received, she probably would have discarded it as we get a minimum of one scam email and letter from phony Bank of Americas regularly asking us to provide information. As it turns out, they were looking for an updated cell phone number for my wife - for that they froze MY account without telling me! 

Here is the point. I wrote the checks - Bank of America has all of my information including cell phone ( they send me text alerts ), email, address, etc. I was never contacted to let me know that MY account was arbitrarily frozen, which can not be legal nor ethical. I wrote the checks, the account was well funded, the bank has all of my current information, and my wife has been on the same account for 30 years. We have incurred several XXXX dollars of fees and penalties from vendors, including our mortgage holder, plus countless phone calls to try to explain to vendors that our Bank is a bunch of incompetent fools.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.

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 2021-02-27
Company: EQUIFAX, INC.
State: OH
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:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason for the dispute is in the month of XX/XX/XXXX I made a payment on the XXXX XXXX XXXXXXXX, a payment on the XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX in the month of XX/XX/XXXX, and which this account is on my report twice, XXXX XXXX XXXX XXXX XXXX a payment was made in the month of XX/XX/XXXX. The Fair Credit Reporting Act Section 609 [ 15 USC 168lg ] bureau should send me all applications being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I reported a fraudulent application was submitted in my name to Capitol One and is reporting on my credit. They initiated an investigation at that time. 

Finally on XX/XX/XXXX, after I'd initiated several calls to inquire about the status of their findings, Capitol One confirmed via phone they'd learned of the status 3 days after I'd reported it failing to send any written communication. This is unacceptable. I am demanding a general letter from them confirming the application was indeed fraudulent as they failed to communicate a timely status of their findings and that I did report this to them. They are refusing to provide a general and formal letter confirming the application was fraudulent and they have closed their investigation. I am demanding they provide such general written communication in order to file an accurate police report with my local police department. They have 7 days to provide me with the written communication and I would like to know what my rights are if they continue to refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
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:
I live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My XXXX XXXX credit report clear states " Natural Disaster, under the mortgage account. I have called XXXX, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. XXXX has received my on time payments, since 2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, XXXX, kept me with a running 90 day late payment and has caused me financial harm.

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