BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1. XX/XX/2020 Deposited {$250.00} check electronically to Capital One 360 savings account.

2. Early XX/XX/XXXXNoted that the check did not show up in the list of transactions, so attempted to re-deposit electronically and got the message that it had already been deposited.

3. Early XX/XX/XXXXCalled Capital One to describe the problem and they said they would research the problem and get back to me. 
4. About XX/XX/XXXX After not hearing back from Capital One for 2 weeks, called Capital One to describe the problem again and they said to send the check with the account number where it was to be deposited on the back. I did so immediately. 
5. XX/XX/XXXX Check was deposited at the Branch Office then the Branch Office made a Transaction Adjustment removing the deposit. 
6. XX/XX/XXXX Received a letter stating, We discovered your deposit to account ending in xxxx didnt match the amount listed on the original receipt. Youll see an adjustment of {$250.00} reflected in your account transaction history and on your statement. 
7. XX/XX/XXXX Called Capital One to describe the problem again and was told that they would look into it and get back to me. 
8. XX/XX/XXXX Called Capital One again to ask for a status update. After 25 minutes on the phone they said that they were still looking into it and would get back to me. 
9. XX/XX/XXXX Called Capital One again to ask for a status update. They said that the adjustment team wasnt working on the weekend and that I could call back during the week and the adjustment team could process. 
10. XX/XX/XXXX Called Capital One again and spoke with XXXX, but I had to leave the call due to another meeting. 
11. XX/XX/XXXX Called Capital One again and spoke with XXXX. She said perhaps we had deposited the check into another account and I should triple check with the primary account holder. I did so. He does not have any other account that he deposits checks into. 
12. XX/XX/XXXX Called Capital One again and spoke with XXXX. He said that he put in a request to the adjustments team to re-deposit the check to our account and it may take up to 3 business days to show up on his account. Well, it never did. 
13. XX/XX/XXXX Called and spoke with XXXX. I said this was the last time I was calling on this issue. He again asked if the primary account holder had deposited the check to a different account. I said no. He said that he was escalating it to a higher level and someone would be calling me back. Really? Nobody has EVER called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I HAVE DISPUTED THIS ACCOUNTS OVER 4 TIMES FOLLOWING EVERYTHING THAT HAS BEEN ASK FROM ME, HOWEVER I HAVE ASK 3 TIMES FOR TRASUNION TO PROVIDE VERFICATION OF THIS ACCOUNTS BEING MINES WHICH TRASUNION HAS FAILED TO PROVIDED. *** ALL THE ANSWER I GET IS " ACCOUNT HAS BEEN VERIFIED AS ACURRATE ''. WITH NO VERIFICATION PROVIDED.. THIS ACCOUNTS ARE NOT MINES. PLEASE DELETED THIS CCOUNTS OF M CREDIT REPORT AS IT'S AFFECTING MY CREDIT REPORT AND IT NOT RIGHT. 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 explanation
Consumer complaint received 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Someone tried multiple times to apply for a XXXX XXXX credit card and it came to my email. So when I check my transunion account my credit score ( XXXX ) disappeared. I called transunion, they couldn't do a dispute because of no score was attached, they said I didn't have any history or anything. So I called XXXX XXXX they send out an email confirming that I didn't apply for anything with them, they're nothing in my name in XXXX   XXXX. and also that is was a fraud alert. I just recieved my first credit card ( XXXX XXXX ) I knew of not to apply for another credit card because I knew that was going to drop my score but someone keep applying on my name. Messing with my credit and now I have nothing. Please help me get score XXXX back pleaseee..

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2018-07-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
This company, XXXX - National Credit Cards / Airlines, has shown up on my XXXX  credit report for the past 4 years. I did contact them by mail, but never received a response. I DID NOT apply for credit with this company and each time, it was listed as a Hard Inquiry on my credit report. I am concerned because I have been the victim of identity fraud three times during the past five years. I want this company to remove this Hard Inquiry from my credit report and to stop inquiring about my credit status. I see numerous complaints about this company online, and I hope you can resolve this problem. Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: FL
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:
I have attached an FTC report with fraudulent account and fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
To begin with, none of the categories fit my problem. 

My deceased husbands car was financed by Capital One. I called today to pay it off, but, after speaking with several reps of the Estates Department over a 6 week period, now, on XX/XX/XXXX, I was advised by a rep to first find out what the requirements were for retitling the car in my state. One of the documents the Maryland DMV requires is a letter from the lienholder giving me permission to retitle the car in my name. Capital One says it does not provide such a letter and the Maryland DMV will not waive the requirement of that document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.

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 2023-03-01
Company: Global Lending Services LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Its been over 30 days and creditor has not updated they have not supplied this information and they must I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAAN status ( Paid as agreed, never late ) Under federal law they had 30 days to complete the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt of {$380.00} was paid to original creditor. Attach is copy of money order

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is reporting a negative account that doesn't belong to me and have continually done so even though I have sent in all documentation and police reports for removal They removed the account and just recently placed it back on my credit file and will not reply or correct this

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 2020-12-08
Company: LEXISNEXIS
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:
On XX/XX/2020 I submitted a letter to LexisNexis asking for a Method of Verification. In my letter i asked for documents or company information who is verifying a Bankruptcy claim on my report. The method of Verification was not fulfilled only with a letter stating verified no company information was provided. I then reached out to LexisNexis via phone and was told they are not aware who verified the bankruptcy claim. Due to they get information from several companies and now have to dispute this claim.In order to provide me with the company information. LexisNexis was giving 15 days to provide me with such information per compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: SLM CORPORATION
State: TX
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:
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  XX/XX/XXXX The above inquiries were supposed to be soft inquiries rather than hard inquiries. I will like these to be dropped off my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I registered for the PayPal promotion at https : XXXX XXXX XXXX on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/2020, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of XXXX business days has now passed, and PayPal has not credited the reward. 

I contacted PayPal support, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of XXXX XXXX, 2020 I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America has a preferred rewards program that I, XXXX XXXX XXXX am enrolled in. Bank of america has violated the terms and conditions of this program by not boosting my tier credit to the next level due to my qualifying account balances. I wish this to be investigated, as stated by the preferred rewards website, accounts must have qualifying combined balance for 3 months. My account has been maintained with an average of the qualifying amount for the previous three months. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. Still no upgrade in rewards. Please have this reviewed.

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 2022-11-16
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I received a copy of my credit report and I have found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed PAYS or PAID AS AGREED. 

XXXX  XXXX name + XXXX I was never late on this account. Please update the account as Paid/Current. 

XXXX XXXX  + XXXX I was never late on this account, and the account is closed and paid in full. Please update this account as Paid/Closed. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this within 30 days of receipt of this information. 

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to 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 non-monetary relief
Consumer complaint received 2021-05-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started the refinance process in XX/XX/XXXX and have provided every single document they have asked for along the way. It is now over 8 months later and we are still having difficulty getting the loan done. 
The company even sent us documents and told us the loan would fund on XX/XX/XXXX and advised us not to make the normal payment that month because it was already contemplated within the new loan ... they failed to fund the loan and then charged us a late fee penalty on the original mortgage. We have called 3 times and were told each time it would be reversed ... they have not reversed it yet. The last time we called about it, we specifically asked if there was an agency that we could talk to for help because we believed that what they were doing was unfair and unethical ... they would not give us the name of anyone to help. 
None of this process has been normal and no one should be treated this way. If they didn't want to do the re-fi, they should've said so from the beginning instead of wasting months and costing us more money in late fees that go directly to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ
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:
On a visit to XXXX, XXXX, ATM machine did not dispense the amount of {$200.00} XXXX Dollars ( = {$150.00} USD ). For this reason, I decided to file a complaint with the credit card company FNBO. Upon receiving response from the bank in question claiming that ATM machine was working as it should, FNBO refused to proceed with my dispute further and advised me to contact the bank involved directly. When I requested the contact information of this Bank/Merchant, random numbers and non working numbers were provided by FNBO who took the situation lightly completely ignoring the fact that I am being charged for a transaction that I did not receive any benefit from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-26
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
i was encouraged to attend XXXX XXXX in XXXX and i was discouraged at first when i was told i need money. Since i had no credit history XXXX ( school recruit ) said it would not be a problem for ME to receive aid just as long as an established financially responsible adult would co-sign. 
That's not at all what happened. At any rate i graduated but the school at that point showed its true colors. The XXXX XXXX XXXX where i completed my XXXX ( no pay ) did offer me employment, but at $ XXXX/hr. When i reached out to the school first or foremost requesting my Degree, they failed to do up to present day. I never received my degree. The school will not acknowledge nor did it ever follow up. Secondly the recruit lied and took out a mortgage on my mom from XXXX XXXX, which today Nelnet records show that they gave her the loan as a parent plus, but on their website it clearly states otherwise. And also i was trying to attend the XXXX XXXX XXXX XXXX, and the finance dept their told me that my mom took out a personal loan. That XXXX had said and disguised it as the parent plus. 
Honestly from the minute i completed my 180 hours XXXX. i was confused and uninformed as to why i was making to seperate payments. i never denied wanting to repay. i just always demanded that i have one payment and that it needed to be under me. i know that they did wrong. i filed a case more recently where i was actually given a number for reference. # XXXX the Nelnet acct # im beyond frustrated and concern with is XXXX. 
if you look and review it i would appreciate it. 
Sincerely,. 
XXXX XXXX

Company response to consumer: Closed with explanation