BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a victim of Identity Fraud. There is a capital one account on my file, even though it shows paid and closed that account is not associated with me. I reached out to the creditor directly and they sent me a form which i signed and sent back to them confirming that the account was made by someone that wasn't me and that I t was not authorized by me. I also reached out to all 3 credit bureaus, XXXX, XXXX, And XXXX. XXXX AND XXXX Were able to verify that the account did not belong to me but XXXX reported the account back on my file. I need the CAPITAL ONE ACCOUNT TO STAY CLOSED AND BLCOKED FROM SHOWING ON MY FILE. I DID NOT AUTHORIZE IT NOR DID I GIVE ANY ONE PERMISSION TO FURNISH THIS INFORMATION ON ANY OF MY CREDIT FILES. The company is breaking the law per 15 usc 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm a service member XXXX XXXX. 


On XX/XX/XXXX I opened a CD account with XXXX XXXX  and transferred {$30000.00} from my Wells Fargo checkings account to fund the CD account. My location was marked as " suspicious '' by XXXX XXXX, who locked my account and initiated a fraud inquiry. 


After about a week my access was restored and I found that my XXXX account reflected {$0.00}. I called XXXX XXXX, who stated that the transaction was cancelled immediately upon the fraud investigation, and the funds were " returned to sender '', presumably that same day. 


I opened a claim with Wells Fargo for my funds. Two weeks later they stated that my claim was denied because my account was correctly charged. I never suggested that it was incorrectly charged, only that I had never received the refund. 


They open a second claim to look further into matter. About another two weeks pass and they claim that my account was not charged at all. I call them again to follow up ( XX/XX/XXXX ) and they said that this second claim was denied because they believed the transaction occured on XX/XX/XXXX instead of XX/XX/XXXX, another error on their end. 


Wells Fargo then asks me when XXXX returned the funds, to which I conceded that I did not know for sure. I can only assume the same day if it was " immediately cancelled '' as XXXX XXXX  suggested. Wells Fargo responded that I needed to take this up with XXXX XXXX, because if they had returned the funds, it would've showed up in my account. I'm amazed with their faith in their processes given their seeming inability to even file claims correctly and waiting for weeks on end only for me to point out their own mistakes. 


I've called them several times ( ~8 ) concerning this while being in a XXXX environment - accommodating their claims ' department working hours from a different time zone with inconsistent phone service due to my location. Every claims response they've sent has been via letter ( not email ) to my home address - which of course takes time to deliver. My family must then take a picture of the letter and forward it to me via my VOIP number. So by the time I even see Wells Fargo 's response, at least a week has passed assuming I have internet access. Most recently, I asked to escalate my issue and was placed on hold for about 20 minutes before my call disconnected due to aforementioned phone service. 


I'm frustrated with Wells Fargo inability to conduct even a proper inquiry. Any assistance you can provide or point me towards is greatly appreciated. I will do my best to provide any follow up information if necessary.

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 2023-05-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My business checking account had an unauthorized withdraw of XXXX $ in XXXX of XXXX. I have disputed the ach withdraw for the last year and a half with chase bank with XXXX XXXX XXXX  times of the claim being denied for different reasons. such as no police report, I then got a police report did not file with in time, we had reported originally with in their time frame. They also claim since we have received payment from another account at the merchant before that all transactions from that merchant are valid. I have a police report and documents at the city of XXXX XXXX  with the case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Block, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On cash app I had a lot of fraudulent transactions I contacted the merchant who refunded a few but claimed they couldnt refund the rest to dispute them with bank for refund. I provided that email to cash app also yet they keep denying saying I authorized transactions with XXXX XXXX XXXX  and few others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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've been back and forth with capital one in regards to two accounts XXXX, and XXXX. 
These accounts was charged off XX/XX/2022 and XX/XX/2022 per XXXX credit report. However, I've yet to recieve the canceled portion of a 1099c. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtness with 1099c and is now INCOME, furthermore income can not be on a consumer report. Furthermore, Capital One is in violation as there privacy policy states that I as a consumer have a right to opt-out of third party sharing and that they only can do so with my written consent, which I never gave.I 'm also fully aware of Capital One trading and selling on my name unauthorized. Pursuant to the 10k sec filings ( indenture agreement ) Capital One failed to disclose My right as issuer to transfer my securities for discharge and recieve payment for doing so, which without disclose of this it's obviously securities fraud, because they're still selling and trading on my name unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My mother financed a car through credit acceptance at an interest rate of 22.99 %. The car was valued at XXXX but they charged her XXXX for it. The car was involved in an accident in XXXX. It was totaled. Thats when I found out that they let her use me as a co-signer without me consenting to do so and she purchased the car without initially getting insurance. My mother passed away in 2020. After she died they took me to court, sued me and are threatening to garnish my checks if I dont pay them {$17000.00}. They also reported it as a voluntary repossession on my credit which is hurting my credit score and credit worthiness.

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 2023-05-30
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was charged {$99.00} on XX/XX/XXXX erroneously. On XXXX order # XXXX they sent me the wrong item, and the they issued return # XXXX indicating I did not need to return the item- but to donate it. I filed my first dispute on XX/XX/XXXX, with no resolution and Comenity kept charging me late fees. I refiled a second dispute on XX/XX/XXXX with no resolution and they reported my account late to the credit bureau for XXXX and XX/XX/XXXX. Out of exasperation, I paid the account in full to stop the damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: HW Holding, Inc
State: NE
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:
On XX/XX/2022, an amount of {$3600.00} was falsely reported to a credit agency. I have had numerous calls about this matter. I have sent emails, pictures, etc to get the issue resolved. I DO NOT owe the alleged {$3600.00}. I have copious amounts of documentation regarding this matter. I have had to get a lawyer involved, and nothing is done about it, STILL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by ONLINE information services on XX/XX/XXXX  about debt for utility service for {$1900.00} by XXXX. 
I've never lived at the address provided by XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX though my name and SSN was used to create the XXXX account. 
I've contacted the XXXX this morning, and explained my situation and was referred to your website and they are going to open ticket to investigate this problem. 
I also have been told to make a police report for ID stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello I am requesting help with getting my student loan payments during the pandemic pause refunded as provided for under the CARES act. I recently had my loans consolidated and transferred to MOHELA for PSLF. Before doing that I requested with my previous servicer, XXXX, to claim the refund for the voluntary payments I made on my federal student loans during XXXX. They did not process the refund before the loans transferred to MOHELA. I then contacted MOHELA after they were servicing my loans and made the same request, knowing that I was eligible for forgiveness soon. Now MOHELA has XXXX my loans but I still have not received the refund for the covid payments. I requested the refund multiple times with both servicers prior to discharge and prior to any consolidation and have really been getting the runaround. I know that in the CARES act if a person requests their COVID voluntary payments on valid federal loans that they are entitled to those payments back. In my case it is a lot of money because I paid into the loans heavily during the pandemic pause since there was no interest and I was not sure if the PSLF process would actually work. It is something around XXXX XXXX dollars that I am entitled to under the CARES act for all the payments I made from XXXX to XXXX. That is not a small amount of money and I just want the benefit of the CARES act as provided by law. I filed a dispute case with the ombudsman for federal student aid on XX/XX/XXXX and after waiting over three months for a response I still have not been contacted by anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Payment of {$48.00} due XX/XX/XXXX XXXX XXXX Attempted to pay, while out of town assisting XXXX person whose spouse was in the hospital & had to stay until TuesdayXXXX XXXX XXXX XXXX, due to the hospitalized spouse 's delayed release. Called the Synchrony Bank number to attempt payment on the due date ( Monday, XX/XX/XXXX ), but system required bank routing & account numbers, which I did not have because I did not bring my checkbook on the trip. I called the payment in on Tuesday, XX/XX/XXXX around noon ( thus meaning it was approximately 18 hours late, at most. I called Synchrony Bank to request a waiver of the fee, and was told because I had already had a waiver within the last 12 months, the late fee could not be waived. I followed this up with a letter dated XX/XX/ to Synchrony Bank ( XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX ). My dispute is/ was not about paying a reasonable late fee, but the amount of {$41.00} ( which equates to slightly more than 85 %!!! of the {$48.00} monthly installment. In the letter, I cited the ludicrousness of the amount of the late fee in relation to the monthly installment, told them if they did not adjust the late fee to a reasonable amount ( 5 %, {$5.00}, or? ), I would never do business with Rooms to Go again, or any other retailer associated with Synchrony Bank, and if they did not satisfactorily adjust the late fee, I would file a complaint ( with CFPB ). I received a letter dated XXXX XXXX XXXX  ( from the bank 's Customer Service Department ) citing my account history & in the interest of good customer relations, that they were crediting my account for the {$41.00}. However, their XXXX UT based collection " arm, affiliate '' or whatever, has been calling me daily in the range of XXXX to XXXXXXXX XXXX I returned the call today and cited the 5-17 bank letter. The representative stated that because I didn't pay the {$89.00} total by XX/XX/XXXX ( I paid the regular {$48.00} ), that the {$41.00} amount remains, and is due by XX/XX/XXXX. Essentially, this makes ZERO sense, because their system is strictly geared to dates and algorithms, thus creating a self-perpetuating, and now erroneous late fee of {$41.00}. PLEASE RECOGNIZE AND / OR EXPLAIN THIS TO THE APPROPRIATE PARTY / DEPARTMENT ( S ) WITHIN SYNCHRONY BANK. I will be paying JUST the regular {$48.00} payment on or before XXXX XXXX XXXX and ensuing payments by the XXXX of each month.

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 2023-05-30
Company: NAVY FEDERAL CREDIT UNION
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:
On XX/XX/23 I spoke with a Navy Federal Supervisor in the Loan department regarding how my checking line of credit was being report to XXXX, XXXX, and XXXX credit agencies. The Supervisor said the issue would be escalated and that someone would e-message me or contact me regarding an answer to my concern. I never contacted regarding my concern, so today XX/XX/23, I called NFCU and spoke with a Supervisor in the same department regarding the same issue. The Supervisor informed me the loan was special, and that it was being reported as a revolving account because the account does not have an expiration date. I informed him whether the account is a revolving account or an installment account credit reporting agencies should not be able to access real time balances regarding this particular account or any other account for that matter. I informed him that the practice seems unfair and possibly illegal. Review illustrations of the e-promissary loan agreement from NFCU, my XXXX checking line of credit reports, and the checking line of credit statement ( 16th of each month ) documents for proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I received a solicitation from Capital One Bank advertising their 360 Performance Saving account. Capital One Bank offered a {$500.00} bonus for opening a new account provided the new money deposited from an external bank during the Initial Funding Period was between $ XXXX {$99000.00}, and I maintained that Deposit Amount for 90 days. I opened an account on XX/XX/XXXX and made a {$50000.00} deposit on XX/XX/XXXX. I maintained this deposit for 98 days, withdrawing my money on XX/XX/XXXX. I have not received my {$500.00} bonus. I called on XX/XX/XXXX to track down my {$500.00} bonus and was told that I don't qualify. Here is the exact wording from their offer : '' How to earn it : Open a Capital One 360 Performance Savings account using XXXX XXXX XXXX to earn one of these bonuses : {$100.00} bonus The new money deposited from an external bank during the Initial Funding Period was between $ XXXX {$49000.00}, and you maintained that Deposit Amount for 90 days. {$500.00} bonus The new money deposited from an external bank during the Initial Funding Period was between $ XXXX {$99000.00}, and you maintained that Deposit Amount for 90 days. {$1000.00} bonus The new money deposited from an external bank during the Initial Funding Period was more than {$100000.00}, and you maintained that Deposit Amount for 90 days. You must deposit the required amount from externally sourced funds ( transfers between Capital One accounts will not qualify ) within the first 15 days of account opening ( Initial Funding Period ). '' Funding Period ). Their position is that the 90 days does not start until the end of the funding period, but their written offer states during the funding period and maintained for 90 days. It is misleading to state " during the funding period '' if your intention is really the end of the funding period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I am a victim of identity theft!! Please add a fraud alert on my credit as soon as possible to stop this!! I was researching " The Fair Credit Reporting Act '' and according to them, block all fraudulent information off my credit in XXXX business days, thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to failto validate this reporting account as unverified information without providing any proof within the time framespecified by law. My credit report includes the erroneous information that needs to be investigated andcorrected : XXXX XXXX XXXX : {$400.00}

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 non-monetary relief
Consumer complaint received 2022-12-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.

Company response to consumer: Closed with explanation