BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello i am a client of Capital One XXXX acct # XXXX! ( XXXX XXXX XXXX ) A error was made where money was sent to a XXXX XXXX Acct.which ive been i contact withXXXX about various times to remove from my acct.! It wasnt. XXXX gave me the last 4 numbers of the acct where the money was sent. Ive struggle woth XXXX to find a location working Number to XXXX ( XXXX ). Calling i expressed the mistake and that i sought to retreive my money ( {$120.00} ). I explain that i was only given the last 4 numbers of this acct.. They explain to me they ned the full acct number. Refering me back to XXXX ( XXXX ) XXXX. XXXX would not give me the full acct number. Then refered me back to XXXX! 
Since that time i have exhaust my paitents with both Companies opening a new acct with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX New york XXXX ( Routing # XXXX ) Acct # XXXX hoping to have XXXX transfer my money there ASAP! I had been told by XXXX that all i could do is wait (?! ) until XXXX sends the money back. i have no time to be a ping pong ball between these 2 companies! 
Thank You for you kind attention to my problem! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ny XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There are several inaccurate statements regarding my personal information on my Experian credit report. I tried to dispute these online, but their system tells me that the issues can not be addressed online, and gives me a telephone number to call. I called that number, and none of the " robo '' options address personal information, and there is no way to get a human being on the line. In short, they are reporting incorrect information and giving me no way to dispute it.

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 2016-04-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Submitted disputes to all XXXX credit bureaus ( Experian, XXXX and XXXX ) acknowledging there is a derogatory account from 2007 that does not belong to me and to investigate with the credit card company, XXXX XXXX XXXX, that they have no evidence claiming my ownership in their records. All XXXX disputes have returned unchanged. 

Also, Filed a XXXX complaint against XXXX XXXX XXXX, submitting the account is not mine and XXXX XXXX XXXX needs to remove account from reports because I do not acknowledge this account as mine

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 2018-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To Whom it May Concern, On the evening ( approximately XXXX XXXX. ) of XX/XX/ I made a mobile Bank of America deposit of a payroll check from XXXX XXXX XXXX XXXX in the amount of {$5500.00}. According to Bank of America 's Cutoff times for deposits, transfers and payments -- see https : //www.bankofamerica.com/XXXX  -- mobile checks must be deposited before XXXX XXXX ET for same-day credit and as I quote from their website : " Funds will generally be available the next business day. '' After my mobile deposit was completed, I was informed via email that my funds will not be released until the date of XX/XX/ at approximately XXXX XXXX ET. Due to the large amount of funds, my payroll check falls under the deposit exception rules stated in federal regulations. However, the FDIC Law, Regulations, Related Acts states in 229.13 ( b ) that : " Under 229.13 ( b ), the large deposit exception, a depository bank may extend hold schedules when deposits other than cash or electronic payments exceed {$5000.00} on any one day. A hold may be applied to the amount in excess of {$5000.00}. To apply the rule, the depository bank may aggregate deposits made to multiple accounts held by the same customer, even if the customer is not the sole owner of the accounts. '' Bank of America is in violation of these stated regulations. Under 229.13 ( b ) Bank of America is required to release these funds as stated on their webpage. Bank of America is violating this federal regulation by withholding all monies. Under federal law, Bank of America is legally required to release the first {$5000.00} within the next business day and may hold any monies or excess over {$5000.00} for a maximum of 9-business days as stated in the FDIC Law, Regulations, Related Act. 

I have contacted their corporation using numerous mediums but their company refuses to resolve this dilemma and continues to hold my monies, including the first {$5000.00} untilXX/XX/XXXX My intent is resolve this injustice and bring attention to how this corporation is noncompliant with federal regulations. I am only one customer, but I encourage the CFPB to look further into this issue since it appears to be common practice with this entity. I am surely not the only victim. 

Regards, 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 monetary relief
Consumer complaint received 2019-01-11
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016, this debt for {$410.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
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: Information belongs to someone else

Complaint:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Over the past several months I have submitted requests via certified mail requesting proof of validation or removal of several accounts noted on my credit report. The responses I keep receiving are updated credit reports that simply state, Verified As Accurate, without proof of validation for the following accountsXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX and 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 2019-01-11
Company: CITIBANK, N.A.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX violated the FDCPA a several ways.. 
1 ) On XX/XX/2018, XX/XX/2018, XX/XX/2018 I contacted XXXX about me disputing this account. Each time afterwards I received back to back calls from them. 30 minutes apart for 5 hrs. 
2 ) On XX/XX/2018 Mr XXXX from XXXX yelled at me, threatened to sue me, told me I was a liar. 
3 ) On XX/XX/2018 XXXX called and when my boyfriend answered they gave out personal information on the collection account. 
4 ) XXXX will not provide verification of debt after it has been requested 5 times. But XXXX XXXX (? Think given flake name ) verified they had received the request from me.

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 2018-08-06
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with 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, XXXX and XXXX with no successful resolution. XXXX, XXXX   and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.

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 2018-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
unlawfully add inquiry to 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 2018-11-20
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: Information is missing that should be on the report

Complaint:
Equifax credit bureau has failed to report all of my paid auto loan accounts from ; XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I previously contacted each of them like the Equifax representative told me to and have them to report the information again, at which they obliged. I check my report months later only to discover again Equifax is the only bureau not reporting the information. I recently applied for an auto loan with a local dealer and was turned down by many lenders whom ran an Equifax credit report where there are no paid auto loans present, and multiple inquiries obtained along the way. I spoke with Equifax today and they refused to correct any of the above mentioned issues. They instead insist I file an identity theft report which has nothing to do with this issue and furthermore appears to be lying in order for them to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I would like to file a formal complaint against XXXX XXXX dba Care Credit. XXXX XXXX of XXXX XXXX dba Care Credit claims in her letter to you dated XX/XX/2018 that I was attempting to modify their dictated terms of agreement. This is another falsehood on the part of XXXX XXXX ; they have yet to acknowledge their failure to respond to my original complaint for 8 months and only responded after I filed a formal complaint with the CFPB. Additionally, in the second paragraph of her XX/XX/2018 reply, she states that the interest charge would be removed if I pay {$1600.00} by XX/XX/2018. In fact, XXXX XXXX dba CareCredit applied my {$200.00} payment on XX/XX/2018 and applied by {$1600.00} payment on XX/XX/2018. However, XXXX XXXX dba Care Credit then turned around and charged a late fee of XX/XX/2018 of {$38.00} and an interest charge of {$82.00}. This is yet another example of XXXX XXXX ongoing abuse of customers and fraudulent treatment of customers. These charges can only be due to the fact that XXXX XXXX misapplied my XXXX payment and then failed to remove the charges they agreed to remove in XXXX XXXX XXXX XXXX reply of XX/XX/2018! 

Clearly, the prior agreement XXXX XXXX  reached with the CFPB has not stopped their customer abuse of assessing false charges to consumers! Additionally, XXXX XXXX has yet to provide a phone number at their corporate headquarters that will be answered by a live person. The only headquarters number listed on their website is a phone number that goes to a recording that promises someone will call back within 48 hours. No one from XXXX XXXX   has yet to call me back from the first two messages I have left on this number ; someone only returned a call and left a voice mail this time because I told XXXX XXXX that I had left a message and no one had yet to return the first two messages.

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 2018-08-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
After submitting my dispute in via Mail I have not received a timely response. I am a victim of Identity theft and according to US LAW I am afforded protection and a timely response from those who report accounts of credit worthiness towards me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
My credit report and my husband 's credit report both include two accounts that refer to the same debt ( ie, duplicate reporting ), and whose date of last activity and date of first delinquency are both more than 7 years old. We have disputed this multiple times with the companies directly and with Experian, and nothing has happened. We have also submitted multiple demands for an explanation of their Method of Verification under FCRA 611 ( a ) ( 7 ) and we have not received any reply at all. 

The accounts are : XXXX XXXX XXXX Account Number XXXX and XXXX XXXX XXXX XXXX Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The following telephone numbers reported on my Trans Union credit report arent not my telephone numbers and dont belong to me : ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX. The following employment data reported arent mine and dont belong to me : XXXX, XX/XX/XXXX  XXXX XXXXXX/XX/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 2018-09-20
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2016 I purchased a used XXXX 2016 from XXXX of XXXX ( XXXX XXXX XXXX XXXX Il XXXX ) and financed by GM Financial. The car price was {$9200.00} the APR was 9.90 % and the terms were 71-months. I have been aggressively sending payment above my minimum payment. As of today, I believe that my total balance should be {$0.00} but GM Financial Statements keep showing a balance of {$1000.00}. I have communicated with GM Financial about this issue and they have not made any adjustments. I have proof of payment and any additional information you need to help me clear this problem with the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Santander Consumer USA 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: Old information reappears or never goes away

Complaint:
My credit report and my husband 's credit report both include two accounts that refer to the same debt ( ie, duplicate reporting ), and whose date of last activity and date of first delinquency are both more than 7 years old. We have disputed this multiple times with the companies directly and with XXXX, and nothing has happened. We have also submitted multiple demands for an explanation of their Method of Verification under FCRA 611 ( a ) ( 7 ) and we have not received any reply at all. 

The accounts are : SANTANDER CONSUMER USA Account Number XXXX and XXXX XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Traditional IRA was opened for my minor son. I was supposed to be on the account as well for maintenance purposes but the bank did not place me on the account. Now they will not give me, the biological parent, any information regarding the account or let me put money into the account. They state that I need to obtain guardiaship of my son and provide proof. My minor son is the only person on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: EQUIFAX, INC.
State: TN
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 three XXXX tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by XXXX XXXX representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX, I made two purchases on Macys.com. I returned most of what I ordered, leaving a balance of {$21.00} on my Macys card. I did not receive a paper statement, and this balance slipped my mind in XXXX and XXXX. On XX/XX/XXXX ( Sat ), I got a statement in the mail indicating that I was being charged {$100.00} in late fees and had accrued {$6.00} in interest. 

The fees were : {$27.00} charged in XXXX, {$38.00} charged in XXXX, and {$40.00} charged in XXXX - all on a purchase of socks for {$21.00}! 

Today ( Monday, XX/XX/XXXX ), I called Macys and after 40 minutes on the phone with a representative and then a manager I was able to convince them to remove two of the late charges ( the {$38.00} and {$40.00} charges ). 

I read that according to the CARD act of 2010, it is not legal for a credit card company to charge a late fee that exceeds the minimum payment owed by a customer. If this is correct, Macy 's has violated federal law with all 3 of the charges to my account. 

Because I don't want to waste more of my valuable time fighting with Macys, I made a payment today for {$54.00} XXXX the amount of my purchase + interest accrued + one late fee of {$27.00} ). I was assured that I will receive a paper statement next month documenting my that these payments resolve my account, which I plan to then terminate. I have cut up my Macys card and will not shop at Macys again. 

As a PS, I would like to mention that I have been a Macys card holding in excellent standing for 13 years. I don't think I have ever had a late payment until now, though the Customer Service representative could not confirm this, as her records go back only 1 year.

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 2021-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
You closed my account back in XXXX because you learned that I had felony convictions. I simply want to know how you learned of this info since these things are not found in credit reports. Even you say I'm credit worthy so I want to know why you would need to investigate my background. Just looking for some clarity here on how you got it and why it matters to your company. I want copies of the documents used to discover this and make this decision.. Thanks

Company response to consumer: Closed with explanation