BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-15
Company: EQUIFAX, INC.
State: ME
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:
I have tried to get this incorrect status of late and repossession removed from my credit report. XXXX XXXX is reporting late and repossession on my credit report in XX/XX/2017and this is inaccurate. 

Also XXXX is incorrectly reporting an XXXX XXXX XXXX that does not belong to me. 

Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Several Companies to include Experian, XXXX XXXX, and several others, make suggestions to apply for refinancing, or credit cards, or personal loans to help fix our financial situations ... .Then we take the advice and apply. Then we don't get approved, XXXX our credit scores up even more... .I think that is some XXXX practice by shady companies. Not only should everyone effected by those scams be compensated with actually being approved for whatever they applied for, those companies should be banned from reporting XXXX. Thing to credit beaureaus.

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 2022-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I informed Capital One that after all these years of paying my credit card bill in cash I realized that the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to the XXXX law dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode of the purpose, that they may be separated from the bonds and other instruments to which they are usually attached According to USC 1693o-1 Remittance transfer, the purpose of this law is to accept this remittance slip as payment for this bill. According to 12 CFR 1026a Billing Error Resolution, by law, creditors can not pursue adverse action against me ( by shutting off and or closing the credit card account ) 15 US Code 1666 correction billing errors. Failure to comply by not accepting this payment will result in further legal action. 
The United States Code Law 15 U.S. Code 1666b/ Timing of payments- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. It is illegal to report a late payment on an open-ended consumer report and the payment must be reported as a positive payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am filing this complaint pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the law. As pursuant to 15 U.S.C. 1681. 
/ :. XXXX ACCOUNT NO : XXXX / :. XXXX ACCOUNT NO : XXXX / :. XXXX XXXX ACCOUNT NO : XXXX In accordance to 15 U.S.C. 1681 SECTION 602 A. STATES I have the right to privacy. Also 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years, agency can not furnish an account without my written instructions.15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.

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 2022-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 a deposit was made into my account in the amount of " {$3800.00} ''. The amount was held and processed for XXXX days, im assuming for verification and then released partially on XX/XX/2022 in the amount of " {$220.00} '' then on XX/XX/2022 for the remaining amount of " {$3600.00} '' totalling to the full check amount. After the full check was released and credited to my checking account on XX/XX/2022, I made payments towards any bills I owed. " In good faith '' I might add. The following day, XX/XX/2022 ; without any notification from my bank, my check was reversed leaving my account overdrawn " - {$1900.00} ''. At this point I attempted to contact my bank on XX/XX/2022 to figure out what is happening and it was stated by the representative that I spoke to that the funds are not properly payable due to duplicate presentment of the check and the representative went on to apologize that it was the banks mistake for releasing the funds prior to verifying of the check was payable. He then went on to instruct me to call the bank who issued the check to me. On XX/XX/2022 After contacting the bank who issued the check to me, they explained that it was also a mistake on their part for releasing this physical check to me. 
Both banks said I am liable for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Wells Fargo in XX/XX/XXXX stating that they have charged me late fees for the months of XX/XX/XXXX and XX/XX/XXXX. They further stated that the late fees were for payments received on the XX/XX/XXXX of the month. This is contrary to the monthly statement, ( a legal document ) which is sent out by Wells Fargo which clearly states that late payments are those that are received after the XX/XX/XXXX of the month. I have attached and circled a monthly statement showing where Wells Fargo is saying that late payment is after the XX/XX/XXXX of the month. This lines up with the terms of the VA loan at close. 
It is not true that I was late either of those months, and both payments were received on or before the XX/XX/XXXX. In fact in nearly 10 years of payments, I have only one payment that showed up a few days late. In the month of XX/XX/XXXX Wells received electronic payment on the XX/XX/XXXX and in XX/XX/XXXX Wells received electronic payment on the XX/XX/XXXX, both on time according to the monthly statement furnished by Wells saying late after the XX/XX/XXXX,  which again is in-line with the terms of the VA closing contract That contract has been made available before here at CFPB during the 3 years of complaints lodge here against Wells Fargo.. 
Over the past 3 years XXXX XXXX has been many things in its relationship with me, but professional is not a term I would choose. Every month they send late statements before the payment deadline. They use that to pilfer the very solvent escrow account by taking money that would otherwise be place in escrow and put it in an undeclared funds account. They manufacture and enable this misapplication by pretending that the account is late, when in fact is its not late until after the XX/XX/XXXX according to both the Veterans administration and Wells own statement, ( see attachment ). 
They have back tracked numerous occasions, including having to restore miss appropriated funds, falsely billed for shortages then a few months later and send me checks for overages. These backtracks only happen after Wells burdens me to complain and escalate those complaints before they act. They have been inconsistent and certainly not meeting the bar expected for accounting professionalism and ethics. I am, like many others, without trust in Wells Fargo, due to the lack of honesty and their abuse of laws. I really dont understand why the Federal Government continues to do business with them.

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 2017-09-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I had open a safe deposit box at SANTANDER BANK, I put {$4000.00} in the box, but on XX/XX/XXXXwhen I went back to get money, it only has {$600.00} left inside the box, I had missing {$3400.00}, I talk to the branch manager right after, at first she would n't help me, she said I took out mon and I forgot about it, but I swear the XXXX I know how much money I have inside, so I insist to report to the main branch for investigation. 
OnXX/XX/XXXX, the branch manager called me and told me nothing is wrong with the video tape. This is not right and unforgivable, People ca n't get away for stolen money, especially happened in a national bank. Those money that I 'm ready to pay my upcoming medical bills.

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 2022-06-14
Company: SYNCHRONY FINANCIAL
State: FL
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2017-10-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My household income changed and I was behind on my mortgage. I tried for over a year to complete the modification process. Each time they had me start over and submit new documents. Eventually, while I was actively within the underwriting part of the modification process, Chase sold my loan. I was forced to file a chapter XXXX to save my residence. I then applied for a modification through the new servicer and it was approved. I received a letter and a check from Chase this week stating that they made a mistake in giving me time to complete the process and gave me {$100.00} for the inconvenience. Based on the trauma and their practices, now this check, I think there is a bigger issue here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My Equifax credit file was one of the more than 163 Million accounts that was breach from sometime in XXXX XXXX through XXXX XXXX. Although, Equifax was aware of this breach, they did not reveal it to the public until early XXXX XXXX. When Equifax offered a " solution '' by offering " Free '', their product, Trusted ID True Premier Theft Protection, I decided to sign up to try and protect my ( exposed ) credit file. After I signed up for this Equifax product, I learned that I was agreeing to give up my rights to seek damages from Equifax through other avenues at a later date. The disclosure is buried somewhere in fine print. 
After further research on my part, it came to my attention that the ID protection that Equifax offers is subject to " Spooing '' attacks. 
I have no confidence in Equifax. 
In my opinion, as a major Trusted reporting agency Equifax handled this situation very poorly. I am disappointed, and very dissatisfied as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 previously disputed this issue with Transunion and it was returned as showing verified as accurate but i know this is not true. I further stated numerous times that I have been a victim of identity theft and even attached previous statements before that should already be in my transunion file. 

Account # XXXX XXXX XXXX XXXX account opened XXXX/XXXX/XXXX - High Balance of XXXX. 
This account could not have been verified as accurate because it was paid through autodrafts each month and was never late. Transunion has failed to show how this was verified as accurate. This account should be deleted immediately from my file. 

XXXX Account # XXXX - This account has numerous data inaccuracies and should be deleted from my transunion report. The credit limit was XXXX and was never late as it was also autodrafted from account and account was further paid off in fullwell over two years ago. This account still reports as if there is a current limit and or high balance of XXXX dollars from XXXX to XXXX. This is not accurate and should be deleted. 

Inquiries : XXXX - I did NOT authorize this and it should be deleted XXXX XXXX - I did not authorize this inquiry and it should be deleted XXXX XXXX XXXX - I did NOT authorize this inquiry XXXX XXXX  I did NOT authorize this inquiry XXXX - I did NOT authorize this inquiry XXXX XXXX - I did NOT authorize this inquiry

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 2023-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
AS XX/XX/2023 Ive noticed fraudulent accounts CAPITAL ONE CREDIT CARD Amount owed XXXX $ XXXX List of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fin fc XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: ALCOVA MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 we were to meet at the Alcova location in XXXX Ga. Managers name is XXXX XXXX to close on our home we are the sellers and the buyers used Alcova mortgage the day before around late afternoon we were emailed by the office saying there was an issue and we cant close until its resolved well long story short we vacated our home and moved into our new purchase home and sat in waiting for 8 days phone calls were not returned we were lied to and had to push them to tell us something the 8th day we pushed so hard we got an email saying underwriting will denied this what?!!! We heard the loan office by the name of XXXX was friends with the buyers and she tried to push it thru. We are now under enormous financial pressure because of her. She XXXX should be terminated this was so embarrassing and stressful for us I will never recover from the emotional roller coaster they had us on. My agent and loan office said in 19 years they have never seen this before.

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 2019-07-29
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
On XX/XX/XXXX I have 2 hard inquiry hits on the same date from the same company. 

Company showing as : XXXX XXXX XXXX SD XXXX XXXX There showed only be one on that date and not 2. So this is impacting me and I never knew this whole time. 

Also, for : Company : Brclysbankde XXXX DE XXXX XXXX There is a hard hit on two dates : XX/XX/XXXXXXXX  XXXX  XXXX XXXX I was wondering how I can get these dropped off or at least one in good will and a good faith courtesy by chance? 

And also there is 2 for XXXX XXXX on : XXXX XXXX XXXX XXXX, CO XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Both 1 day apart for some reason. And is there anyway that one of these can be dropped as there's 2 for some reason within 24 hours apart that is also impacting me. 

I am trying to better my credit and I didn't ever look at my hard inquires. Everything on my credit is correct. But I don't find it fair to have this XXXX to have done 2 hard credit checks on the same day XX/XX/XXXX. 

And for some reason XXXX XXXX has 2 one day apart from each other. 

I am requesting this to be taken into consideration along with the Barclay if they can do anything in good faith and in good intentions.

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 2022-06-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A credit card I had opened with chase bank in XXXX of 2014 is still being reported to the credit bureaus. Due to financial hardship, the account fell behind and was closed. When I spoke with a company representative requesting to have the negative item removed when the debt is settled. The person I spoke with informed me that Chase bank will not comply with the removal of an item more than 7 years old regardless of whether it's paid back. The Fair Credit Reporting Act states that negative information that is more than seven years old may not be reported. I have tried to dispute the issue with Chase Card Services by speaking to one of their customer service reps to no avail. The credit reporting agencies have not responded to my request to have it removed. 

I believe the Fair Credit Reporting Act was instated to help people recover from their financial hardship. However, the employee I talked to said on behalf of Chase Card Services that they will not comply with the law regarding credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XXXX 2022, I was notified via an old email address that a PNC bank account was opened in my name. I thought it was a scam email but decided to call the bank just in case since the email looked legit. Someone had opened an account with my information online and had access to online banking. I immediately contacted the bank and started the process to report it as fraud. I went into the branch and was able to report the account as fraud. I asked for a printout of the information and was able to determine the account was opened with my SSN, Name, Birthday and driver 's license #. HOWEVER, the address was a non-existent address, a fake phone number, and the license expiration date they provided, did not match my ID. I had already had a XXXX  lock on my file because of another account that was opened a week prior due to fraud, but PNC never used XXXX XXXX ( despite telling me they use it ) to verify any information. It has become SO easy to open an online account with addresses/phone numbers and incorrect license information which is ridiculous if companies ARE SUPPOSED to be using XXXX XXXX. I pulled my XXXX XXXX report, and none of the XXXX ( so far ) fraudulent accounts/banks used XXXX to verify my information. It is now XXXX 2022 and I am STILL receiving " Low Cash Mode '' emails from PNC bank, the issue has not yet been resolved... and the only reason I'm still hearing from anyone is because I've become annoying to the branch. My file has been " lost '' and " overlooked '' several times so I now check in with the branch WEEKLY!.. STILL waiting on a resolution despite being told that the account is closed and not available to anyone... so why do I continue to receive " XXXX XXXX XXXX '' emails on multiple email addresses for this account if it's " closed '

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been attempting to freeze my credit with Equifax has been nothing but a nightmare. 

I attempted to use their online system yesterday ( XX/XX/XXXX ) and received a " System Error - try again later '' message each time. I tried to use the online system again today ( XX/XX/XXXX) and received a slightly different, yet equally vexing message : " We are currently unable to service your request. Please try again later. '' I called the phone number listed on the FTC website ( XXXX ) and got a busy signal. 

I called the phone number listed as their automated service line ( XXXX ), for which credit freeze is listed as an available service. However, after pressing the required numbers on the keypad, listing my state, etc. I was told by the robotic man that a credit freeze service was not available at this time and to try again later. 

I went to their chat help at XXXX onXX/XX/XXXX and the page read " Chat unavailable - Check back weekdays XXXX ET '' ( So I was visiting during their listed hours, yet chat was not available. ) None of the credit freeze request methods listed by Equifax are actually viable. It is absolutely unacceptable and ludicrous that the agency who lost sensitive consumer data is also the agency through which it is, apparently, impossible to actually freeze one 's credit!

Company response to consumer: Closed with explanation