BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In late XXXX, I opened a checking account using a promotion offering me {$400.00} if I opened an account and received XXXX deposits of {$250.00} of more within 60 days of account opening. I received XXXX deposits from my employer throughout XXXX but never received the {$400.00} that were promised. After contacting customer service, I was told repeatedly that I did not qualify for this offer because it was invite-only and I was not on their list, even though the offer page clearly showed my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with Bank of America account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, XXXX declared a XXXX XXXX XXXX which impacted me greatly during the month of the late. As soon as I was able to, I got my payment made and caught up. As you can see I have made all my previous payments and payments after on 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 2019-11-05
Company: CREDIT ACCEPTANCE CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
You ignore my statements about the amount negotiated for my loan ( {$4500.00} ) you try to justify your illegal contract and fees that i did not agree to. IT IS STILL AN ILLEGAL CONTRACT.

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 2021-11-02
Company: EQUIFAX, INC.
State: MS
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/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed accounts, no reasonable procedure was performed it is a violation to my rights to claim that an accounts has been resolved if I didnt resolve it and its still reporting inaccurately. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed accounts below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have been fighting with Capital One /Walmart for months now. In XXXX of this year there was a charge made on my card that I did not do. When I notice it in XXXX went into Walmart and report it fraud and cancelled my card. Capital One filed a fraud report and said that it wasnt fraud. Totally XXXX .. Their reasoning behind it was that it was a chip card and was not reported lost or stolen. So that would only mean that someone got ahold of my number and did a purchase online. On XX/XX/2021 again I spoke with a fraud specialist at Capital One and again he deemed it not fraud and refuse to remove the charges, I then try disputing this myself and even went down to my locl police station and file and report and Id theft affidavit. Why would I go thru all this trouble if it wasnt fraud. This is interfering in me purchasing a home. I have enclose a copy of the police report the dispute I file and the affidavit. I want this remove from my credit ASAP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In researching Capital One 's notifications of late payments, I have made numerous complaints regarding Cap One charging of late payments, thus producing late fees for customers to pay. I've sent a previous billing error letter to no avail. I am attaching another one with the qualifying information of proof of my being late. If they can not answer all of my questions, to prove I was indeed late including grace periods and all, then these payments they've recorded late must be revised to " OK status ''. I am a good paying customer and have a long good standing payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as fot late purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company reflects this debt as inaccurate. It shows as open debt when it is not open and I have never had a contract with XXXX XXXX XXXX. The credit reporting agencies are constantly reporting this in error, which is a violation of FCRA. 

In addituon, XXXX XXXX has yet to provide proof of the required surety bond needed to collect in the state if Texas per the Texaa Finance code. I am requesting this information within 10 business days. This company is headquartered out of XXXX. The credit reporting agencies are in  violation of the Texas Finance code for allowing this debt without the proper surety bond per my state of residence.

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 2020-11-06
Company: WELLS FARGO & COMPANY
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:
During the pandemic I reached out to Wells Fargo Auto to have my payments suspended for 3 months. They gladly accepted my offer. During the 3 month time frame of XXXX to XXXX, I was able to get caught up in my payments of {$540.00} a month. I then expected that Wells Fargo would continue to make accurate and timely reporting to each credit bureau. On XX/XX/2020. I made a large payment of {$3900.00} to account # XXXX Wells Fargo failed to report to the credit bureaus for the month of XXXX, XXXX, and XXXX. As of today XX/XX/2020, They still have not accurately reported to the credit bureaus. my payments to date. 

To date, I have since payed off my loan, and they are refusing to accurately report information to the credit bureaus. There reason for not reporting, is they said that Its because i took advantage of the program, they offered. This is incorrect. 

On XX/XX/XXXX, I explained, that I would no longer need the assistance, and they reported in XXXX and XXXX. 

I also made a new car purchase with XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX in XXXX. I believe that if they would have reported the payments in XXXX, XXXX, and XXXX, i could have received a better interest rate. 

I have placed numerous calls and nothing has been resolved. The case number is XXXX. 

My resolution is for them to report to the agencies the correct payments of XXXX, XXXX and XXXX My name is XXXX XXXX, and I can be reached at XXXX XXXX XXXX or by cell at XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies. For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.

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 2019-11-05
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Predatory mortgage company. 

Specialized Loan Servicing bought my mortgage about 3 years ago. My original mortgage contract states that insurance and taxes are not to be escrowed. This company has started escrowing my insurance and taxes. My insurance original contact states that insurance is not to be escrowed. My insurance is paid until XX/XX/XXXX. My taxes have been paid for XXXX -XXXX and XXXX - XXXX. This company is taking my mortgage payment each month and putting it toward escrow and accusing me of not making my payments. They are threatening foreclose. I filed a complaint with this company in XXXX but have heard nothing from them. this company has to legally follow the terms of the original contracts. I have tried verbally and in writting to get this resolved, they refuse to acknowledge my concerns. 
LLC Specialized Loan Servicing XXXX. XXXX XXXX XXXX Co. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX e-mail 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 2019-05-01
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX is my loan servicer. They asked me to complete my income based loan repayment certification, and that they would send me a letter updating my loan payment details. I submitted this before the deadline of XX/XX/2019. Now, my payment has doubled without any communication from the company. When I logged onto my account, they had put my loan in the Revised Pay as You Earn, instead of keeping the Income Based Repayment repayment plan even though my spouse and I file separate taxes. When I called the company regarding this change on XX/XX/2019 at XXXX and the large monthly amount due, the first customer service representative said that half of my consolidated loans had been taken off of income-based repayment and put back on the standard repayment plan, in addition to the other half being put on Revised Pay as You Earn. This is very alarming as it means any interest would have been capitalized and added to my loan amount as soon as the Standard Repayment was put into effect. Furthermore, this would make these loans no longer eligible for PSLF program which I am eligible for. The representative then proceeded to put me on hold again for an additional 20 minutes until the phone line closed. I am struggling to get in contact with anyone that can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: AMERICAN EXPRESS COMPANY
State: OR
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:
Offer was a bait and switch - wouldn't honor discount and terms as listed. I have a copy of the terms, but when requested to honor fee terms it was denied. The crux of the offer was the first year fee, {$450.00}, waived. One representative said it was a short time window and suggested I now pay the {$450.00}, the other said an error. Which is it? 

Went to read terms ( I did print them out ) than later apply on the same day XX/XX/2019 Called in to AMEX XX/XX/2019 https : //www.americanexpress.com/us/credit-cards/card-application/apply/hilton-honors-aspire-credit-card/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Capital One has run multiple unauthorized hard inquiries on my account from all 3 bureaus. I only authorized one and they ran multiple. I called and spoke to a supervisor before the second inquiry was processed and asked Capital One not additional hard inquiries in the first place and Capital One ran a hard inquiry anyway. 

XXXX : CAPITAL ONE/BASS PRO ( Bank ) XX/XX/2021 CAPITAL ONE/BASS PRO ( Bank ) XX/XX/2021 XXXX : CAPITAL ONE/BASS PRO XX/XX/2021 CAPITAL ONE/BASS PRO XX/XX/2021 XXXX : CAPITAL ONE/BASS PRO XX/XX/2021 CAPITAL ONE/BASS PRO  XX/XX/2021 Capital One/Bass Pro also preys upon consumers by offering them promotional interests rates, promotions but when they take longer to process the application, they don't apply the promotion to the consumer 's account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: NV
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 received notice through XXXXXXXX, provided to me by XXXX since I am a XXXX XXXX XXXX  and my personal information was compromised through XXXX  or XXXX, that two fraudulent credit inquiries had been submitted to Transunion using my personal information on XXXX XX/XX/2021, from XXXX XXXXXXXX XXXX and XXXX XXXX XXXX I called both those banks and was able to ensure that no credit cards or bank accounts were opened based on the fraudulent information. On XXXX XX/XX/2021, I went online and established an account with Transunion but their dispute page did not allow online dispute of these inquiries and instead stated I would need to call. I called XXXX and after 30 minutes of holding, was advised by an agent who spoke very poor English that these fraudulent inquiries would not be removed from my credit report or my credit score unless I submitted documentation through the mail. There is no such documentation, and mailing documents represents an undue burden on the citizen and taxpayer. On the same date, XXXX was able to remove similar fraudulent inquiries reported to me via XXXXXXXX using only information provided over the phone. The XXXX process to reach a human representative was also much more straightforward. I request that the CFPB place sanctions and civil financial penalties on Transunion to discourage ongoing anti-consumer behavior of this type.

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 2021-11-02
Company: EQUIFAX, INC.
State: CA
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: Billing dispute for services

Complaint:
There is fraudulent activity Someone got ahold of my SSN and tried to get credit at several companies - XXXX, XXXX, XXXX, XXXX, and probably more Ive reported to all 3 credit agencies and put fraud alerts on all. 

Please ensure no accounts are opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: CHARLES SCHWAB CORPORATION, THE
State: WA
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, generated an Inquiry from XXXX XXXX, 2017. I created an account online for checking account. I was not expecting a hard inquiry.

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 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Billing dispute for services

Complaint:
There is fraudulent activity Someone got ahold of my SSN and tried to get credit at several companies - XXXX, XXXX, XXXX, XXXX, and probably more Ive reported to all 3 credit agencies and put fraud alerts on all. 

Please ensure no accounts are opened fraudulently.

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 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Again the credit bureau 's request that you guys ( XXXX ) contact them to fix this issue

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 2021-03-26
Company: ROBINHOOD MARKETS INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Robinhood intentionally imposed barriers to transferring assets out of their accounts. They stopped a transfer of assets out of my account and provided no notice or explanation. I had to cal the receiving company for an explanation because Robinhood customer service is useless. There is no live support and they only send emails which take days and are not responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: CL Holdings LLC
State: IL
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:
Last 4 of XXXX RE : XXXX XXXX Dear TO WHOM IT MAY CONCERN XXXX XXXX XXXX : XXXX am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOF OF CHARGE OFF/ The following account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 



I am demanding a deletion of the following account. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation