BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$390.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
As by Law, under XXXX XXXX XXXX XXXX- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2016-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
I currently have XXXX credit cards with CapitalOne. All XXXX cards have a very high interest rate. In the last 12 months I came upon very difficult financial hardship due to extreme health concerns. I have been out of work and only able to keep up with my minimum monthly payments on these XXXX cards. On each card my balance has grown due to my inability to make more than the minimum payment. Now that I am getting better I called CapitalOne to try to get some debt forgiveness on the accrued interest charges. They refused, only offering {$50.00} on each account, for a total of {$250.00}. I have roughly {$8000.00} in accrued interest. I explained I do not want 'discounted ' monthly payments, as I have never missed a payment and will be able to begin making higher monthly payments towards my balance when the new year starts, because I will be back to work. They did not care, and have no interest in relieving any of the accrued debt. They also would not lower my interest on any of the cards. I have several other credit cards from other banks and they were much more cooperative with interest forgiveness as well as lowering my interest rate. I am extremely disappointed with their lending practices, and for the {$33000.00} balance, some of which is healthcare costs, can not believe I owe {$8000.00} in interest in 18 months, after 0 % introductory periods.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX 2016, my Capital One credit card number was stolen after placing an online food order. Multiple flights and vacation packages were purchased from different companies. Many of the charges were refunded, but XXXX were recharged to the account in XXXX 2016. I have called the fraud department approximately every other week. The previous employee, XXXX, no longer works there and her voicemail states this. During the most recent phone call, Capital One promised my account balance would be cleared to XXXX. This has not been the case, and the balance for the fraudulent charges plus interest charges are still being charged to my credit card account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-20
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
About XXXX XXXX, XXXX I applied for the REPAYE plan with Mohela to begin immediately, while I wait for a decision on my XXXX XXXX application with XXXX. Instead of my REPAYE plan beginning asap as requested, I am currently on General Forbearance until XXXX XXXX, XXXX, Mohela states my REPAYE plan wo n't begin until XXXX XXXX, XXXX and put me on Administrative Forbearance from XXXX XXXX - XXXX XXXX, XXXX. When I asked Mohela why I was no put immediately on the REPAYE plan they stated that the Board of Education controls the date. I would like to be put on the REPAYE plan immediately as requested on my application, while I wait for a decision from XXXX regarding my XXXX application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
I initially gave a merchant a down payment on Capital One MasterCard for the installation of a wood fence on my property. The fence was not completed but the company charged the remaining balance to MasterCard without my approval. I immediately contacted Capital One and they initially charged back the merchant I sent in a statement and an estimate for the completion of the fence by Capital One stated that they did not receive the estimate by the deadline. When I called Capital One about this they then stated that the estimate was not legible and closed the case. I called again about this charge and was told that since the dispute was closed MasterCard will not look into my claim again. MasterCard knowingly gave a crooked merchant unauthorized money after being told to stop the payment. I was ripped off by a thief with MasterCard 's help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX continuously calls me concerning an amount I owe. They call every day, even on weekends. The calls begin early and have continued as late as XXXX. This is interfering with work and time with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I tried paying off this debt several times. I explained That I had lost my job. And then as a last desperate attempt to salvage my life I was moving to Hawaii and I needed an extension on making a payment and they were not willing to work with me so I did not make any for the payments. This was over 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Submitted complaint to all 3 credit reporting agencies in regards to XXXX reporting an open account on my credit. They are a third party collection agency. I do not and have not ever had an open account with them. Asked credit reports to validate the debt not verify with a 2 digit code system. All three failed to do so within 30 days. They verified not validated and still reporting on the credit as an open account. Again, a third party collection agency who was unable to validate the debt I disputed with them before I went to the credit reporting agencies still ca n't validate. They are doing a computer 2 digit verify code

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 non-monetary relief
Consumer complaint received 2016-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This business was contacting me regarding an old debt from capital one. I had communication with them in XXXX regarding the account and was told it was perged and would not be reporting. I think got capital one to delete it. Now in XXXX they reported to all XXXX credit bureaus and have prevented me from getting a mortgage I worked the last year and a half for. I 've tried to contact them but every employee tells me something different. They call my work, my parents house ... It is basically ruining my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I did not realize I was late on a payment to Capital One/Neiman Marcus - and they finally called me to inform me. I paid the account in full on during the call. They said there would be no negative credit bureau action. 

But a few months later, they did mark my credit report with a late payment. 

I called XXXX customer service to inform them they went back on their promise ( if I paid in full, no negative mark ). 

Because of that second phone call, they marked my credit report with " dispute. '' That is now a problem with my mortgage lender. 

How is it that if a consumer just makes a phone call to check what happened - their credit report is marked as an official " dispute ''? And that " dispute '' is seen as a bad thing, with the consumer assumed guilty? 

How am I to exercise my rights, if by just asking a question, I am penalized on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. 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 written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: JPMORGAN CHASE & CO.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchase History : I made a {$420.00} transaction on XX/XX/XXXX on XXXX XXXX XXXX. However I was not satisfied with the purchase, and I returned the product on XX/XX/XXXX for a replacement. The merchant promised to ship the replacement the week of XX/XX/XXXX ( see the email thread attached ). But I never receive any replacement. 

Dispute History : I opened a dispute on XX/XX/XXXX with Chase since I purchased the item via a Chase credit card. Then, the merchant started to contact me and asked me to close the dispute. And they promised to process the refund if I close the dispute on XX/XX/XXXX. So I called Chase to close the dispute on XX/XX/XXXX. 
I closed the dispute but the merchant still refused to refund me. I called their service center on XX/XX/XXXX and they suggested mailing all the evidence to them for restarting the dispute. I sent the letter on XX/XX/XXXX. 

Dispute result from Chase : I checked the status on XX/XX/XXXX, it shows the dispute was closed. I contacted Chase on XX/XX/XXXX. The specialist said chase closed this dispute because it passed 60 days timeframe and the letter we sent was invalid because it passed the 60-day frame, which is not correct considering that the merchant promised to ship the replacement on XX/XX/XXXX, which I never received an item. Chase didn't even go through the evidence and simply closed my dispute. I haven't received any item nor refund from the merchant/Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-14
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a refinance XXXX loan to equity ratio. {$490.00} was paid for an appraisal which was completed in a week. Now 10 days short of 3 months the rate lock has had to be extended for a third time. Representatives piecemeal their requests for documents weeks apart. I ask them why have n't they asked for them earlier in the process and they give amateur excuses, ie. they had to let go ( fire ) the processor of my loan, influx of applications due to XXXX etc. The frustration comes from our timely action to doc requests, but then a response from them a week later for another document. I 've already had to pay another month on my original 1st and 2nd mort. and when I ask if I should pay another month the rep. says late fees will apply but wo n't affect my credit report. I ask them if they will cover late fees and rep. declines. The real problem is the anxiety from being duped by a shady operation and prevented from shopping around because of the upfront cost of the appraisal, not to mention the thousands of dollars of a higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CapitalOne closed my account due to inactivity. They sent me a notice on XXXX XXXX, 2020 of the closure with no previous warning whatsoever. I called CapitalOne on XXXX XXXX, 2020, within 30 days of the account closure notice and they told me that I can not reopen the card for any reason. Typically, other major credit card companies give you a grace period of 30 days to re-open an account if it is the " credit card company '' that closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: LA
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hi I have been trying to come to kind of agreement with Santander I am sick this is preventing me from doing anything with my life these people say that when the car got repossessed it had damages etc and that was not true and they could not prove it and added more money to what it actually is the only reason I didnt keep this car its because of the fraudulent dealer I got it from called XXXX and they had agreed to pick the car back up. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
On XX/XX/21 I purchased an item using PayPal via a credit card on file with them. The vendor is located in XXXX, and the credit card used does not charge international transaction fees. The item was priced at EUR XXXX, for which PayPal charged my card {$670.00}. Upon realizing that the exchange rate listed did not match the published exchange rate ( the charge should have been approximately {$640.00} ), I immediately requested a refund from the vendor. The vendor provided the refund on XX/XX/21. PayPal, however, refunded only {$640.00}. Upon pointing the error out to PayPal, their response was that they charge an international currency fee, and that it won't be refunded. The fee is not disclosed on their pay page. The only indication is that the exchange rate does not match the charged amount. One would need to do the math on the fine print of the exchange rate to realize this. After several exchanges with PayPal they refuse to refund the charge, stating that they would only refund it if the refund happened the same day. The reality of international commerce, especially overseas, is that time differences make a same-day refund almost impossible, even if the request is made and responded to in a reasonably timely fashion. There is no disclosure of the fee on the pay page, and they won't refund it even if the vendor refunds the payment. This is unethical at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
BANK OF AMERICA HAS CLOSED MY ACCOUNT BECAUSE THEY NO LONGER WORK WITH XXXX BUT XXXX CLEARLY STATED THAT WE WOULD BE ABLE TO USE THE CARD UNTIL XX/XX/2022 IM UPSET BANK OF AMERICA LIED AND TRIED TO SAY XXXX CLOSED MY ACCOUNT BUT A REP FROM BANK OF AMERICA CLEAR AS DAXXXX STATED THAT IT WAS BANK OF AMERICA NOW THIS BANK WANTS ME TO REVERIFY MYSELF THROUGH XXXX XXXX IS STATED THAT I SHOULD BE ABLE TO WALK INTO A BRANCH TO RECEIVE MY FUNDS FROM THIIS BANK BUT BANK OF AMERICA IS SAYING THEY CANT DO ANYTHING UNTIL I VERIFIY MYSELF MY BALANCE IS STILL THERE IN THE ACCOUNT I BELIEVE XXXX AND THE REP FROM THE BANK THAT BANK OF AMERICA CLOSED THE ACCOUNT WITHOUT WARNING AND I DEMAND IT TO BE REOPENED NOW I NEED MY FUNDS NOW YOU HAD NO RIGHT TO FORCE CLOSE ANYTHING MY FUNDS ARE IN THERE AND I HAVE CLAIKS STILL

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$2600.00} COLLECTIONS XXXX {$82.00} XXXX XXXX {$220.00} XXXX  XXXX XXXX {$890.00} XXXX   XXXX XXXX {$610.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$300.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}

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