BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: UT
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 recently received a response from XXXX XXXX XXXX XXXX of another complaint. I have a few issues with this response. I've attached copies of the response. One this response thy stated that they never reported the late 's for XXXX XXXX and XXXX, I have included a copy of the account from my credit report where they are reporting the erroneous late 's. I need a deletion letter as confirmation that this will be fixed. They also included a phone number they have been trying to reach me at, this number is not mine and never has been. I've included a screenshot of my account with XXXX XXXX where you can see the primary number is XXXX XXXX and the second is mine. I'm not sure where this number even came from, like I stated this number has never been mine. I truly feel as if these reporting are incorrect and if they would have contacted me using the information I have provided we would not have this issue. It has never been my intention to be late nor was I really aware I was late, I plea with XXXX XXXX XXXX to please remove all the late notations from my credit file.

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 2018-02-27
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Lowe 's CC issued through Synchrony Bank. Most of the other credit cards I have used with a promotional purchase will allocate any payment first towards the regular balance before applying any to the promotional balance. In this way, you prevent interest from accruing on your regular daily balance. Well, Synchrony applies any payment first to the promotional balance then to the regular balance. Because of this, interest is accrued even if you have made enough payments to cover purchases made during a billing statement. So whats the purpose of a promotional rate if you end up paying for it first? Multiple times I have argued this with the bank. In the end, they do end up crediting me the interest, but state I have to call them each time payment is made to tell them where to allocate the funds to. I feel this is an unethical trap to accrue fees and a deviation from the norm for other credit card companies.

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 2020-10-16
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Back in XX/XX/2018 & XX/XX/2018 I was having financial hardships and unable to pay my bills due to being out of work ; therefore, causing my late payments. The job I was working at the time was seasonal. 

My card was activated in XXXX of 2018, and since that time I have had 28 on-time payments. I've also maintained a more permeant job position.

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 2020-11-24
Company: BlueChip Financial
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for Spot loan and they approved me. They told me to wait up to 3 days and I did So they told me to send in my ID and Pay stub and I did as I was told to do. They told me to wait up to 2 business days and did. I have not received no funds from Spot Loan & I send them a email & NOTHINGG! They scam me for my social and all my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: NAVY FEDERAL CREDIT UNION
State: TX
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 NAVY FCU. 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 XXXX, XXXX, and NAVY FCU with no successful resolution. XXXX and XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been working on this as well as my attorney. I had filed the complaint against BOA with your company and they responded with a letter along with Bank statements from a personal checking account. The problem again occurred when I had credit card with BOA for several years and was making payments normally around {$230.00} a month. XX/XX/2012 I had sent 2 checks which they stated they never received. I had a business checking account that I noticed 10 payments of {$650.00} being withdrawn from my account for 10 months for some type of life insurance policy which I never authorized automatic withdraws. When I filed my last complaint they again sent me copies of my personal account and said there were no such withdraws. They did not investigate my previous business checking account that would have shown the transactions in question. I wanted them to refund the draft that were {$6500.00} total or put it toward the credit card that they indicated they did not receive the two checks on.

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 2020-10-25
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I initiated a {$6000.00} AHC wire transfer from my Discover Bank checking account to my XXXX XXXX XXXX checking account. Unfortunately I used the wrong routing number and learned that the money would be rejected by XXXX  XXXX XXXX and sent back to Discover Bank. On XX/XX/XXXX I got an email saying my ability to transfer funds was suspended. I also got an email that said they noticed unusual activity on my account and it was suspended and I needed to call immediately. I called and got my account reactivated only to get the same emails the XXXX and XXXX. Finally on the XXXX I got another email saying to contact them immediately and that they noticed more unusual activity on my account. But there wasnt any. The only thing was the {$6000.00} being sent back. 

I talked for a while with customer service and was told my account was closed as a Business decision same thing they told the other people that made a complaint to this website. I asked when will I get my {$6000.00} plus thats in my account? She said 60 days. I said thats a long time, and she replied that that gives time for all the transactions to go through. I hung up and started researching if this was legal. 

I would ask you try to reach out to XXXX XXXX VP of Customer Service at Discover Bank, and try to explain the situation too him and how the longer they hold my money the more its going to cost them in legal fees and judicial decisions in my favor. All I did was put the wrong routing number in to a wire transfer, there was no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America is not sympathetic to customer hardships caused by the pandemic. I feel they are practicing unfair and excessive fees to my account. I have not had a full accounting audit of my account from the beginning of my opening date but just focusing on the most recent charges I noticed they are charging me multiple fee 's on a payment that was returned due to NSF and they reprocessed in the same month and charged another NSF fee. Double processed NSF payment and double NSF fee to the same merchant in the same month. Not until recently did a representative offer to switch my account to a safe account which will not allow me to go negative. 
I also feel that its misleading although in terms ( which I didnt not read thoroughly ) to offer a overdraft account and they transfer money as needed to avoid my account being negative then charge me a fee for that service so if its needed multiple times a day or in the month to transfer funds the fee is added as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
On XX/XX/2020 I disputed the accuracy and completeness of information reported by Equifax in regards to a bankruptcy showing on my credit report. I made it clear to them that I am disputing the accuracy of the information provided to them by a third party information furnisher. I specifically stated and provided evidence showing that the name and address provided by the information furnisher does not match my name or address, but yet they continue to report this inaccurate information. In accordance with section 609 of the FCRA I demand that this inaccurate information be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$4000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Application # XXXX XXXX XXXX I applied for a Wells Fargo credit card because of the 0 % purchase APR. I received a declined letter which is bogus. I reviewed my credit report, XXXX  & XXXX  and I do not see anything wrong. My credit score is XXXX. There are numerous complaints about Wells Fargo online and now I see why! The declined reasons I received : 1 ) amount of credit available on actively used bank cards, 2 ) amount owed on a bank card with the highest balance is high relative to the credit limit. Not enough paid as agreed on your credit file. I have several store cards because when I use them I get rewards or coupons, but you are going to penalize me for that??? Even so, I paid all those cards on time. In XX/XX/XXXX I transferred a balance of {$3200.00} for a 0 % APR, so I can pay it down, I am not using the card and I also lowered my credit limit on that card! In XX/XX/XXXX I paid off my 5 year car loan. I have had my XXXX credit card since XXXX! 29 years! and I have NEVER BEEN LATE ON PAYING ON MY CREDIT CARDS! Decline reasons 2 & 3 are wrong! I do not know if Wells Fargo system automatically declined me or was it a person? I have never been declined for a credit card. I want Wells Fargo to remove the inquiry from my credit file and I will apply with a more reputable company.

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 2020-07-22
Company: Midwest Recovery Systems
State: LA
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: Problem with personal statement of dispute

Complaint:
I am still waiting on XXXX  to fix another problem with a 25 year old issue thats showing up on my report thats not mine and today theres something on my report that has no information of where it came from, when it was opened, who opened it, and I have NEVER taken out a payday loan in my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
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:
There were a few accounts that were opened under my name that I didnt approve. Being that I was a victim of identity theft I made a police report that was approved. The bureaus claim that those accounts were verified even after police report was submitted

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 2020-10-25
Company: Inflection.com, Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Inflection XXXX XXXX product offered by Inflection Risk Solutions , LLC. Decision.and request made by XXXX XXXX. 

To quote the email I received : Thank you for your request to make a reservation or activate a listing using XXXX platform. We have now completed an evaluation of your XXXX  account, which included a consumer report generated using the Inflection XXXX  XXXX  product offered by Inflection Risk Solutions , LLC. 
And XXXX XXXX. 

We regret to inform you that, at this time, XXXX, XXXX has made the determination to permanently deactivate your account due, at least in part, to the following information contained in that consumer report : - Criminal Records Match Inflection XXXX  XXXX  provided information used to make this determination and took no part in making the decision to decline your application, and can not explain why the decision was made.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was living in XXXX and making ONLY XXXX YEN. I didnt earn or receive American dollars do I was not able to make my payment and They are showing as late payments. It was a financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XXXX I paid the total balance of {$1600.00} on my credit card account. The billing cycle was for XXXX thru XXXX. My payment due date was XXXX. In XX/XX/2020 I received a billing statement for XXXX thru XXXX with a balance for interest charges of {$9.00}. No purchases were charged to this account after pay off had been made. How can I be charged interest on a XXXX  balance? I tried to resolve per telephone call. The rep I spoke with, put me on hold 3 times to consult with other, and I was repeatedly told the charge could not be waived or voided. This account is with CAPITAL ONE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received my credit report and found two inquiries I did not authorize. One was from XX/XX/XXXXand the other was from XX/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 explanation
Consumer complaint received 2020-10-16
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I WAS A VICTUM OF FRAUD ON MANY INQUIRES ON MY CREDIT REPORT IN WHICH I DID NOT AUTHORIZE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Was not notified of investigation status or results

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding XXXX. XXXX  XXXX XXXX, SC XXXX Date : XX/XX/XXXX Re : Account Number:XXXX This letter is in response to your credit report entry on XX/XX/XXXX related to the debt referenced above. Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I have disputed this account for three years, I have requested proof of debt a sign contract regarding this card belongs to me with the date of the contract. LVNV Funding LLC has been unable to provide a sign contract to me. I have received multiply times a copy of a statement from XXXX XXXX dated XX/XX/XXXX. This statement is not proof of debt. ( Please send sign contract ) I have contacted your location and been advised that LVNV is not the owners of this account. Due to not getting the credit record removed, I will have to report this account to the XXXX  XXXX XXXX XXXX as fraud as well to all reporting agencies. Further reporting of this account on my credit file will lead to legal action. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I am request full verification of this debt and ownership of account along with the transaction report of how much LVNV bought this account for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX, XXXX : I requested a security freeze via US Mail. Freeze was implemented. 
XXXX, XXXX : Requested security freeze be lifted via phone. Experian representative indicated it was completed. 
XXXX, XXXX : XXXX  with which I am applying for a mortgage indicated the Experian security freeze is still in effect. Multiple attempts made - all failed. 
XX/XX/XXXX : I requested the security freeze to be permanently lifted via US Mail. 
XX/XX/XXXX : I received an email from Experian stating they received my request. 
XX/XX/XXXX : XXXX XXXX with which I am applying for a mortgage indicated the Experian security freeze is still in effect. 

I can not get a mortgage because Experian is unable to lift the security freeze.

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