BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2021, I applied for a XXXX XXXX Credit Card with Capital One, and was offered the following : " Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening ''. ( Refer to Offer screenshot ) Once I received the card, I started making purchases with it to comply with the spend of {$500.00} by the offer in order to obtain the {$200.00} cash Bonus. 

I spent more than {$500.00} within the first month of use ( XX/XX/2021 ) - ( Refer to Statement ), and verified in the Mobile application when I accessed into my XXXX XXXX account, that the Bonus was being tracked, and once the {$500.00} were spent it showed " Your bonus is ready! '' ( Refer to Screenshot ) I thought the bonus will be reflected in the following billing period, so I waited but in XXXX the bonus didn't appear. 

After contacting Capital One on XX/XX/XXXX, I was told that the offer was not showing in my account, and the issue was scalated to a supervisor. 
On XX/XX/XXXX, I received a call from the supervisor, who informed that the offer was not included in the account, that they can't see why the offer was not approved, and that there is nothing they can't do to apply it. Even after asking multiple times, no explanation was given on why the bonus was not added to my account. 

Considering I opened the account, complied with the terms of the offer, and the account shows the Bonus is Ready, I don't understand why the {$200.00} bonus can't be applied. 

I am looking for the bonus to be applied considering I complied with the terms within the required period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNT resulting from alleged identity theft. 

XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$630.00}, and 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 2022-08-16
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 status incorrect

Complaint:
What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: TN
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2021-11-18
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting. 
XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In late XX/XX/2020 I noticed a charge on my account that I owed a hotel the XXXX in Dc that was booked through XXXX the amount XXXX my account was debited along with NSF for XXXX there were several as others payments could be processed. In XXXX Bank Of America Finally posted a temporarily credit to my account. Per there research I owed the funds. I informed them that I did not book the reservation as I had no reason. I have used the company XXXX for a hotel stay that was schedule for XXXX in XXXX but due to Coronavirus I forgot to call and cancel. I was not charged for it either. To my surprise I was charged for a stay that I didn't book at all. I had no reason. The night they said I booked it I was at home with a stay at home order for my state of Maryland. As a result this transaction has caused sever damage causing regular payments not to processing resulting in more overdraft fees each at XXXX. As of today I will not have a paycheck on Friday XX/XX/2020 as the fees and the payment for the no hotel stay at all being debited form my account. I have filed a re-open and I have informed the bank of my filing with your agency. As my Account was also hit my XXXX an over charges as my bill was paid in Full in XXXX and a week later they sent a credit for phones I returned to only charge my account XXXX by XX/XX/XXXX, XXXX. I called they refused to refund the monies stating that they can credit my account as I'll owe for this month. This was not an approved transaction. I was hit even more fees by Bank Of America as a result. I am closing this account as of now I have no funds to pay my car insurance, normal bills that come out and most of to buy food for my XXXX grand children that I am raising.

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 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hard inquiries done on the same day are showing up multiple times as hard inquiries and affecting my credit. 

There are XXXX on XX/XX/2021 as they looked at car financing options. 
There are XXXX on XX/XX/2021 as they looked at car financing options. 

I was told that these should only be XXXX hard inquiry as they are XXXX days apart.

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 2017-11-09
Company: Blitt and Gaines, P.C.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have old auto debt from 2007 and my car was voluntarily repossessed. My father was the co-signer and they keep harassing my father. He is not employed. They have filed a judgement against him and they were taking money from his checks when he was working. My father is very XXXX and I am not employed either and Blitt and Gaines continues to harass us by sending us court papers to try to collect this old debt. We do not have this money. They already have the vehicle and have resold it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating They DO NOT Report any bankruptcies to anybody. So if thats the case. How did the credit bureaus edify my bankruptcy as 100 % percent Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 ( 3 ) ( E ) States ; The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through persona ; interviews with neighbors, friends, or associates of the consumer reported on or with others with he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The Fair Credit Reporting Act is the law that controls credit reporting companies. The law states that credit reporting companies may not report a bankruptcy case on a person 's credit report after. 15 U.S.C. 1681 ( c ) They also violated my rights numerous times. Including but not limited to being approved for loans due to this error information on the credit file.

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C. 1681 section 602 A. States, I have the right to privacy.

According to : 15. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 15. U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: MO
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:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thank you very much for your time.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2021-11-18
Company: WELLS FARGO & COMPANY
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am XXXX in XXXX XXXX veteran with XXXX surgeries. Well Fargo gave someone {$80000.00} out of my checking to someone and to another bank. Someone sent my check and no signature to wells Fargo. Wells Fargo gave the money to someone without proper support paperwork. I nee the name of bank and person making the transaction. it has been XXXX months since my first complaint and no money or explanation. It is time for wells Fargo to stop stealing old retired XXXX  veteran who has a XXXX and can not read. Wells Fargo is so big they can do anything with no consequences. This is a case of theft from a XXXX abuse and they do nothing.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-11-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I notified Santander Bank on XX/XX/21 regarding XXXX XXXX atm withdrawals made on debit card whicht totaled {$2500.00}. I filed a fraudulent claim with the bank as well as filed a police report regarding these fraudulent atm withdrawals. I received a letter from Santander dated XX/XX/21 which stated that my claim was denied due to no error by the individual who used my pin. I vehemently protested this as I let them know I would never share my pin for the debit card intentionally to anyone. I re-filed my claim on XX/XX/21 wwhich was also denied per the conversation with a santander claim 's representative on XX/XX/21. I have re-filed once more with Santander on XX/XX/21 who have notified me that this will be last attempt with this claim.

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 2023-10-11
Company: EdFinancial Services
State: OR
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:
I have been attempting to contact EdFinancial Services regarding my student loans for the past month and a half ( started calling end of XX/XX/2023 ) and every time I have been told that the wait time is over 200 minutes but that I would receive a call back at the number I provided. I have called at least 10 times but never once did I receive a call back where I was able to speak with a customer service representative to get my questions answered and problems resolved. I have only received 2 call backs but as soon as I picked up ( after my phone rang once ), the call was disconnected. My most recent attempt to call was on XX/XX/XXXX at XXXX ( Pacific Time ) and was told that the wait time is 110 minutes. EdFinancial Services shows online that its hours of operation on Tuesday is until XXXX EST, which is XXXX Pacific Time . It is currently XX/XX/XXXX and I have still not received a call back. 

I simply want to speak with a representative or manager to change 3 out of my 6 loans from " in school '' to " in repayment '' status so that those loans can be on the SAVE repayment plan. I have applied for the SAVE plan on the Federal Student Aid website and have uploaded the application and proof of income documents to my online account for EdFinancial Services. My colleagues who applied for the SAVE plan on the same day I did have already spoken with their loan servicer and are now on the SAVE plan. Meanwhile, with EdFinancial Services, there is no way for me to check the status online, nor has there been any form of communication with me. I have never had a loan servicer company where it is nearly impossible to reach any representative. I am extremely frustrated and would not choose EdFinancial Services if given the choice.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX for the amount of $XXXX  then for the amount $XXXX  for collection lass time it update wasXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: John C. Heath, Attorney at Law, PLLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
LexingtonLaw has been assisting me in removing items from my credit report. Who has been charging me {$120.00} each and every month. These items that they made a commitment and promised to me. That these items would be removed from my credit report. And credit score would increase. I personal has been doing all the work. By becoming a member of the three credit agencies XXXX, XXXX and XXXX. By disputing these negatives on my credit report. Providing them with supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: IL
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 unknown inquiries on my credit file that I did not approve to run my credit nor do I have an active/open credit account with from these companies. I am ver concerned regarding the serious possibility that the credit reporting agencies have not followed the permissible purpose provisions of the Federal FCRA. The inquiries in question are listed below alongside the date they were reported : 1. XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX XXXX. - XX/XX/XXXX 3. XXXX XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX. - XX/XX/XXXX 5. XXXX XXXX. - XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX - XXXX XXXX 10. XXXX XXXX XXXX - XX/XX/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