BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have attached a copy of my recent invoice of my capital one Visa Signature card. The first page has a total charge of {$7.00} for this billing cycle. The second page has an interest charge {$3.00}. That means ( $ XXXX {$3.00} ) {$4.00} is the charge for this billing period which was carried over from XXXX. 

What has happened? 

In XXXX, I disputed few charges and since the dispute was under investigation, I did not pay them. However, Capital one did not stop charging me interest. Disputes were resolved in my favor. Capital one did not update my account. Capital one continued charging me interest. I have written to few people at Capital One explaining the matter but ended up without any response or help. 
In XXXX, I have submitted a complaint to US Consumer Financial Protection Bureau ( CFPB ) Due to CFPBs interference, Capital One removed some interest, but not this {$4.00} which ended up in {$7.00} today. 

So, I am writing to you, to help me. I have tried to resolve it> I wrote to XXXX XXXX but no response. I tried to close the account, they did not respond. 
. 
I Have closed all other accounts with this improper business. I do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have necessary paperwork to all three bureaus to get some accounts removed that were not mine and Equifax has failed to respond to my request and failed to remove the accounts from my credit file. XXXX  an XXXX have removed all of the inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
IT'S BEEN OVER A YEAR THAT I'M BE TRYING TO GET A CREDIT REPORT FROM EQUIFAX BUT NOTHING SEEMS TO WORK OUT THEY SEEM TO BE HIDING SOMETHING FOR THE REASON OF EVERY TIME I TRY TO VERIFY MY IDENTITY THEY ALWAYS GIVE ME THE RUNAROUND. I SEND THEM A COPY OF MY BIRTH CERTIFICATE ID GREEN CARD AND BILLS. THEY REPORTED ME DECEASED AND I FEEL THEY DONT WANT TO GIVE ME ACCESS FOR I HAVE A FRAUD OF IDENTITY AND THEFT I TRY SND TEY AND THEY JUST KEEP ON HOLDING

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had {$350.00} deposited in account on XXXX/XXXX/17. I made a debit card transaction at XXXX for {$350.00} around XXXX.. I had another {$340.00} deposited into my account that same day but in smaller amounts that I withdrew out of an atm for {$300.00}. Some how the deposits got disputed by someone at Bank of America or whoever deposited this money in my account. ( Witch the party that deposited the money into my account had everything on my account because of a loan that turned out to be a scam ) Along with a payment i made to ( myfloridacounty ) on XXXX/XXXX/17 for {$160.00} for a speeding ticket. It turned them into temporary credit adjustments. I did n't file a claim or call fraud department. They have all that recorded when u call. I had a pay check deposited from XXXX XXXX on XXXX/XXXX/17 like I always do every week on Thursdays morning. I was -XXXX when I went to the atm. I called Bank of America a bunch of times and called claims department. I went to XXXX Florida branch and Got treated like trash on the bottom of there shoes. The manager at that branch said that the temporary adjustments were n't there to withdraw. I said I did n't make those claims and did n't care about them cause they were deposits that i used my debit card on. Not credit!!!! Until she pointed out the one about my ticket that i did n't notice. Money was n't available for withdraw or to spend. When she got tired of me telling her how can I use my debit card on something that is n't there. She said I ca n't help you!! I got told why would I spend some one else 's money that was n't mine as I was leaveing. Called claims back and i thought I was getting some where but did n't so I closed my checking and saveings account. I got some emails where they bounced them deposits after closing 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 monetary relief
Consumer complaint received 2020-11-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
From XX/XX/2020 through the present, I have been receiving communication from Synchrony Bank/Care Credit in Statements via an online portal on Alleged debt that is owed. The Truth and Lending Act is intended to inform consumers of credit, and I have been deceived concerning the information in my consumer credit transaction. According to 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am the original creditor ; I am Protected as a consumer against the alleged debt 15 USC 1692a ( 3 ). According to 15 USC 1692e ( 11 ), Failure to disclose in the initial written communication with the consumer and also, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. According to 15 USC 1692b ( 2 ), Any debt collector communicating with any person shall not state the consumer owes any debt. According to 15 USC 1692b I never gave Synchrony Bank/ Care Credit permission to send me statements. When sending statements Synchrony Bank/ Care Credit can not state that such consumer owes any debt according to 15 USC 1692b ( 2 ). Synchrony Bank/ Care Credit using misleading information on what a credit card is. According to 15 USC 1602 ( I ) The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This is also the result of 16 USC 1602p unauthorized use, Use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

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 2018-02-04
Company: EQUIFAX, INC.
State: TN
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 identity was stolen 5 years ago, and since then has been used to open up a number of wireless accounts, credit accounts, and bank accounts. I have worked extensively with other bureaus to clean up my reports but Equifax will not remove these items. 

They have been given the FTC identity theft report, and the police report but these items have remained on my report incorrectly for month. I have filed repeated with success. The remaining unauthorized revolving/collection accounts are : XXXX XXXX/XXXX XXXX XXXX XXXX ( A previously removed account was sold to them ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Who already sent a letter confirming fraud ) XXXX XXXX ( another account for some reason ) The following unauthorized inquiries were also included : XXXX XXXX XXXX XXXX ( I have never had an account ) XXXX XXXX ( Never had an account ) XXXX ( I have never had an account ) XXXX XXXX XXXX ( Never had an account or heard of them ) XXXX  ( Never had an account ) XXXX/XXXX ( Never had an account ) XXXX ( this account was confirmed fraud by them ) XXXX ( this account was confirmed fraud by them )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07
Company: EQUIFAX, 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 status incorrect

Complaint:
The account shows open with an alleged payment history as if it's a revolving debt the last activity date & last payment date is always reporting for the current month as if I was in a payment arrangement with the collection agency. 

Date of last report : XX/XX/2019 Amont : XXXX Account was disputed with all 3 credit bureaus with no results. Only changed dates to showing the current year & month account was updated to show as opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
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:
My wife 's credit report reflects totally wrong information. Her XXXX credit report shows that the last two years of her mortgage have been submitted late. 
This is totally incorrect, and she has kept the Certified Mail receipt/overnight mail delivery to prove this assetion. 
This wrong information has now cost her to be denied a {>= $1,000,000} EIDL Loan from the SBA. 
This Financing/Mortgage company has even acted in disregard of a Judge 's signed Court order

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: DISCOVER BANK
State: CA
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 have communicated with Discover Card via certified letters explaining my hardship and the financial condition I'm in due to unexpected XXXX XXXX and subsequent health problems. Due to health problems I am no longer able to work and provide the income that I had prior to my health problems. I have appealed to Discover Card Office of the  President on four different occasions explaining to them what terms would be feasible for me to sustain. Discover Card has not attempted in good faith to assist in resolving my dilemma. There has been no flexibility by Discover card a reasonable fixed lower interest rate, a reasonable monthly payment, and under a 60 month plan to pay off the balance. Discover card has merely offered the same standard plans of two options with exorbitant terms that in essence doesn't segway into the opportunity to pay off the debt in a reasonable time. The only response Discover Card has made is the standard option they offer to every customer as a one option fits all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: DISCOVER BANK
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 have a loan with DISCOVERBANK and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and DISCOVERBANK and XXXX XXXX  with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reach out to the credit bureaus about fraudulent items and inquiries on my credit report and provided documents along with my social security card and drivers license and they still havent removed these items

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 2023-06-12
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:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/2019 a dispute was made with XXXX, TRANSUNION and XXXX  in regards the fraudulent accounts on my credit report. proof of identity theft was delivered byway of police report Number XXXX police report attached. 

i require and wish all fraudulent accounts be removed from my credit report

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 2023-02-01
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Discover will not send me my funds ( transfer to other bank ) without overstepping their requests for more information. I am a long-term client, but now that I am withdrawing my funds, Discover is making it extremely difficult to the point of impossible to obtain my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am writing to advocate banking privacy laws that would prevent or limit banking corporations practice of linking into a private citizens accounts at other banks. Without warning or explicit permission, the unsuspecting citizen suddenly finds all their account information from Bank X displayed on the website of Bank Y, two wholly unrelated institutions. 
In an attempt to link banks for a simple inter-bank transfer, I was tricked into giving Union Bank and Trust the username and password to my XXXX bank account. There was no statement of what they were going to do with that information, and I was led to believe that it was necessary for the transfer. The next time I logged into the banks website, I was shocked to find every detail of every transaction and balance posted on a competing banks web page. 
Removing that purloined link was an arduous and time-consuming process, and I am still not guaranteed that the information has truly been purged from the offending banks records. Subsequent follow-ups with bank representatives indicate that they feel no responsibility in the matter, essentially because I was foolish enough to trust them. Of course, they are covered by the usual blanket fine-print. 
My privacy has been violated, and there is no apparent recourse. I request that someone do something to protect banking consumers.

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 2020-05-21
Company: Movement Mortgage LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, a major hail storm severely damaged our home. An insurance claim was filed that night. The Adjuster came to inspect the home on XX/XX/XXXX. He sent us the report on XX/XX/XXXX. We received the check that weekend. 

The following week, we contacted Movement Mortgage, asking them to endorse the check, as their name was also on it. They refused to endorse it. They verbally told us the insurance company could write a new check just to the homeowners, but they would not put this in writing, so the insurance company could not do anything. 

One of Movement Mortgages managers called us and instead of speaking to us professionally, was incredibly rude and spoke down to us. He ended up hanging up the phone on us. 

The next Monday, we called Movement Mortgages Regional Director, but instead of calling us back himself, he had another Manager call us. He still refused to sign the check and claimed he couldnt because it was over $ XXXX. He couldnt give a reason other than its policy. 

He kept pushing it off on to XXXX, who was set to take over the servicing of the loan. While he did pay for the check to be overnighted to XXXX, we are no closer to having our house repaired. 

Our house has been sitting with holes in it for 2.5 weeks, and XXXX is now saying it will be a total of 3.5 weeks before they even know if their Processing Department has the check ( that we overnighted ). XXXX refuses to expedite the process. 

Meanwhile, our house continues to sit without repairs being done even though our contractor is ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: JPMORGAN CHASE & CO.
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Properly mobile deposited a two party check and they are refusing to unlock card so I can use my money because of verification reasons. When we have explained to them that it was my boyfriend and his phone number they are saying its not popping up for them. We called his phone provider XXXX and XXXX and they said everything was correct and under his name but they still for some reason cant pull up his info linked to that phone number. Im about to take legal action over this because they are withholding {$2000.00} dollars of our money. I had multiple reps in the fraud department hang up on me when I asked for a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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: Information belongs to someone else

Complaint:
This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX  Balance {$260.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX Balance XXXX {$470.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : 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 2021-08-11
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, 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:
I applied for an XXXX credit card a few weeks ago and I was not approved instantly but I didn't think anything of it, now today XX/XX/20 I got a letter in the mail saying that the reason that they could not approve me for their credit card is because there are negative accounts or loans on my credit. I didnt know what accounts they were talking about because none of my loans/credit cards have ever been late or in negative standing. I looked through my credit report and I saw more than ten accounts on my report that are not mine. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I don't know who opened these accounts in my name without my permission but I have already filed a police report. I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I ever make any payments towards those accounts. I don't have a contract or relationship with any of the companies I listed.

Company response to consumer: Closed with explanation