BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2023, CapitalOne issued a credit of {$2800.00} to my account with the intention of sending it to me as a check. I was overseas for the last XXXX weeks due to work commitments and only had the opportunity to check my mailbox on XX/XX/2023, upon returning from my business trip. On XX/XX/2023, I proceeded to deposit the check through my online XXXX account. However, on XX/XX/2023, I received an unexpected email notification from my banking institution where I had deposited the check, indicating " Clearing Check Deposit Return - {$2800.00} ''. This resulted in my account having a negative balance, and I am now seeking to understand why CapitalOne would issue a check that ultimately could not be processed. 

Upon contacting the banking institution where I deposited the check, they advised me to get in touch with CapitalOne, the issuer of the check, as it had been reversed after initially being cleared into my account. Consequently, I contacted CapitalOne today, but they have yet to reissue the {$2800.00} credit. Essentially, they issued a faulty check that caused my other account to go into the negative. CapitalOne claimed that the check had " cleared '' sometime in XXXX, but this seems improbable since I was away until XX/XX/XXXX. XXXX for another XXXX business days for the credit to be resolved is not feasible for me, especially considering my frequent business trips. I am anxious about potentially missing any future checks they send by mail, and their customer service has not been able to provide me with a clear timeline for resolution or an explanation for the credit mishap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind do to con-vid, and filed for forbarrence multiple times, and was never able to get back on my feet. 

The house is now being " foreclosed ''. 

I submitted a notarized " RESPA '' request, and in return, I received multiple copies, including the promissory note, wasn't copies withe the original signature, ... ( forged ). 

... ..also, multiple attempts was made to resolve the current debt with a " 1099-c ", " 1099-nec '', and 1099-oid " IRS " tax forms. 

No appropriate action was resolved.

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 2022-07-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a XXXX XXXX XXXX Musician who travels the world and depends on reliable and trustworthy banking to operate my life and business. 

On Friday, XX/XX/XXXX I received a phone call from someone claiming to be the " Chase Bank Fraud Department. '' They said that there were fraudulent charges on my debit card and that my online banking had been hacked. They proceeded to provide me with my social security number, driver 's license number, and other details only my bank would know. They did this to gain my confidence and in fact, they even played Chase Bank music on the phone. They put me on hold to " issue me a new debit card. '' During the call, they asked me to verify PIN numbers sent through text messages to my phone. 

The following day I learned that someone had tried to execute 6 wire transfers to themselves from my account to theirs, without my permission. 5 of the transfers were rejected by Chase Bank. The 6th one went through for {$13000.00}. I have no idea why the 6th one went through. Why would Chasee neglect 5 transfers but then allow the 6th to the same destination? 

I did not authorize these transfers and I am the only person with access to my bank accounts. I have never before sent a wire transfer from my personal checking account. I do not know the person the money was transferred to. But I have their information, listed below, from the wire confirmation. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Florida XXXX Phone Number : XXXX Bank : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Routing Number : XXXX Account Number : XXXX Chase has been totally unhelpful thus far, implying that the whole event was my fault, even though they flagged the transaction 5 times before they approved it. If it was fraudulent the first 5 times, what made it a legitimate transaction on the 6th try? Not to mention that fraudster wasn't investigated by Chase. I suspect they hacked my chase account to get the information that they had to verify with me. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: EQUIFAX, 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:
I applied for a personal loan in XXXX on XX/XX/2021. A few days later XXXX told me they couldn't approve my loan because I have an active fraud alert in Equifax report, so I need to call them and have them remove the fraud alert. I called the Equifax and requested them to remove the fraud alert and they said on the phone that they removed it. So after giving sufficient time, I called XXXX back again on XX/XX/XXXX and asked them to rerun my credit report on so they could see that it was removed. They came back and said it wasn't removed. I called back Equifax and asked them to remove it again, after holding on the phone over an hour they apologized that it wasn't removed at the first time but they assured me that it was removed this time. So I called back XXXX again on XX/XX/XXXX and let them know that it was removed, so they reran my credit again and came back and said yes it was finally removed but they couldn't approve my loan because there were too many inquiries within very short time. I told them all 3 inquiries from XX/XX/XXXX to XX/XX/XXXX were actually for the same application, they still said they couldn't approve my loan and hung up the phone. Neither XXXX nor Equifax were working with me to remove the additional 2 inquiries that actually for the same loan. If this is not a perfect example for consumer abusive practices I don't know what is. Because of these additional unnecessary inquiries my credit score dropped 50 points. I need these 2 additional XXXX inquiries to be removed from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  is and has been reporting to all 3 credit bureau 's that my account is closed. My XXXX XXXX account is active and current.

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 2018-02-03
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I purchased an item from XXXX XXXX for {$32.00} on my 1240 mysynchrony card. Unfortunately the sales person put this on a " DEFERRED-NO INT IF PD IN FULL '' which meant that the payments would not be made automatically like my " EQUAL PAYMENT NO INTEREST '' purchases. 
I contacted mysynchrony that I wanted to pay off the {$32.00} amount. They responded on XX/XX/XXXX " Once your payment has posted to your account you may contact us at XXXX or via the Online Messaging CenteXXXX and we will be happy to apply your payment as requested. '' On XX/XX/XXXX I wrote to the bank that my payment had posted and again repeated the specific payment to the {$32.00} purchase on XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX  responded " Thank you for your recent inquiry regarding your XXXX XXXX account, and the opportunity to be of service to you. Your payment has been applied toward your account balance as you requested and as allowed by federal regulations. '' However XXXX XXXX did NOT pay off the {$32.00} payment but rather applied my {$32.00} payment to my entire balance reducing my next payment of {$730.00} to {$700.00}. That payment should not have been changed since the {$32.00} was to have been applied ONLY to the {$32.00} purchase from XX/XX/XXXX. 
The result is that I may now incur interest payments on the {$32.00} as this amount was not paid off as I specifically requested in writing.

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 2022-07-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
MY NAME IS XXXX XXXX XXXX, AND I AM WRITING ON MY OWN BEHALF IN REGARD TO THE FOLLOWING INFORMATION ON MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT AUTHORIZE ANY OF THE FOLLOWING CHARGES/INQUIRIES ON MY FILE. I REPORTED THE THEFT TO THE FEDERAL TRADE COMMISSION AND I HAVE ENCLOSED COPIES OF THE FTC IDENTITY THEFT AFFIDAVIT. I AM REQUESTING THAT THE FOLLOWING ITEMS ON THIS REPORT BE DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Citizens Bank on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Citizens Bank made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
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: Public record information inaccurate

Complaint:
Equifax has used a Third Party Company to obtain Tax Lien information from the local Court System. The Tax Lien showing on my Equifax Credit report in incorrect. The IRS has mixed my file with another person name of which they corrected. Equifax Credit Reporting Agency has refused to REMOVE this Tax Lien from my Credit report which is causing me serious damage. When I called Equifax Representative, I was information that they request this information using a Third Party. I informed them that this needs to be REMOVED because it is NOT correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I sent money through venmo and realized it was a scam. Venmo said they could not help and did not support in suspending the account or recovering anything from the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: MD
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've disputed a XXXX XXXX account multiple times due to inaccurate reporting. I sent disputes via mail starting in 2020, disputing the account due to inaccurate reporting. Currently the status is reporting " Paid '' and " Derogatory '' between the credit bureaus. There are also other discrepancies reporting on my credit that are not correct and are inconsistent between the 3 credit bureaus. If I dispute and they come back " Accurate '' every time, then how are all 3 bureaus reporting differently? This is not FCRA reporting standards and is a violation.

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 2022-07-19
Company: EQUIFAX, INC.
State: MD
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've disputed a XXXX XXXX account multiple times due to inaccurate reporting. I sent disputes via mail starting in 2020, disputing the account due to inaccurate reporting. Currently the status is reporting " Paid '' and " Derogatory '' between the credit bureaus. There are also other discrepancies reporting on my credit that are not correct and are inconsistent between the 3 credit bureaus. If I dispute and they come back " Accurate '' every time, then how are all 3 bureaus reporting differently? This is not FCRA reporting standards and is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: NY
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:
N accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602A. 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

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 2022-07-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Exoerian and XXXX Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2019-09-05
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: Their investigation did not fix an error on your report

Complaint:
This letter is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 
I recently disputed this account with the credit reporting agencies, and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process. The software can also have limitations when it comes to completing a full and proper investigation of records. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation to ensure the complete accuracy of the account being furnished to the credit reporting agencies. 
If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
This letter was completed and sent to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ON XX/XX/XXXX, I ATTEMPTED TO SUBMIT A DISPUTE TO EQUIFAX, XXXX AND XXXX FOR THE FOLLOWING AND I WAS NOT ABLE TO. I RECEIVED MESSAGES THAT A DISPUTE WAS UNABLE TO BE PROCESSED ONLINE, HOWEVER, EQUIFAX, XXXX AND XXXX  ARE HOUSING INACCURATE INFORMATION ON MY CREDIT REPORT. 

FOR THE COLLECTIONS ACCOUNT FROM THE CREDITOR XXXX XXXX AND XXXX THEY ORIGINALLY PLACED A COLLECTION ACCOUNT ON MY CREDIT REPORT ON XX/XX/XXXX AND IT HAS BEEN ON MY CREDIT REPORT FOR OVER SEVEN YEARS. IT SHOULD HAVE BEEN REMOVED ON XX/XX/XXXX BUT EQUIFAX, XXXX, AND XXXX CONTINUE TO REPORT THIS INFORMATION ON MY CREDIT REPORT. 

ALSO, THE CREDITOR CONTINUES TO UPDATE THE DATE OF REPORTING IN ORDER TO KEEP THIS NEGATIVE INFORMATION ON MY CREDIT REPORT LONGER THAN SEVEN YEARS. THIS NEGATIVE INFORMATION HAS BEEN ON MY CREDIT REPORT FOR SEVEN YEARS AND DUE TO FAIR CREDIT REPORTING ACT, IT IS REQUIRED TO STAY ONLY SEVEN YEARS, THUS I AM DEMANDING AN INVESTIGATION BE DONE INTO THIS AND THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

******************* ALSO I WAS UNABLE TO DISPUTE THE HARD INQUIRIES THAT WAS PLACED ON MY CREDIT REPORT ON XX/XX/XXXX IN ERROR. THESE HARD INQUIRIES WERE DONE IN ERROR AND INITIATED BY XXXX XXXX. I WAS UNABLE TO DISPUTE THIS ON EQUIFAX, XXXX AND XXXX WEBSITE. THE FOLLOWING ARE OUTSTANDING ISSUES : -THE INABILITY TO DISPUTE ONLINE ON THESE SITES FOR ALL CREDIT BUREAUS -DISPUTE THE HARD INQUIRIES -DISPUTE THE COLLECTION ACCOUNT PLACED BY XXXX XXXX XXXX XXXX DUE TO THE COLLECTION ACCOUNT REMAINING ON MY CREDIT REPORT PAST SEVEN YEARS, THE LIMIT FOR THESE ACCOUNTS. 

I HAVE ATTACHED EXCERPTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation