BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 believe this is a XXXX  error becuase I dont believe that all credit cards companies on my XXXX  report decided to report old XX/XX/XXXX information on the same day at the same time ( XX/XX/XXXX ). This only happened with XXXX. XXXX  and XXXX  has not changed the updated informtion to old outdated information from XX/XX/XXXX. Although XXXX  said this was done by all 3 credit card companies. I believe this is XXXX  error because XXXX reported an updated balance of XXXX  balance XX/XX/XXXX then it was change back to a XXXX balance of XXXX dollars on XX/XX/XXXX. The same thing happen with XXXX XXXX and XXXX XXXX  on the same day. Apologize for XXXX  error but credit card companies can you please retify this with XXXX  this outdated info from XX/XX/XXXX that XXXX  placed back on my report after your company reported the update XXXX  balance XX/XX/XXXX. 


XXXX reported a XXXX  balance XX/XX/XXXX then today XXXX  is the only credit bureau reporting old balances today from XX/XX/XXXX on all 3 of my credit cards that showed XXXX balanes in XX/XX/XXXX its reporting an old balance from XX/XX/XXXX. 

XXXX  for all credit cards reported to XXXX  as of XX/XX/XXXX. I dont know why is XXXX  reporting old information from XX/XX/XXXX balances on all credit cards. Information from 5-6 weeks ago and the old inaccurate information replaced the accurate updated XXXX  balance information todayXX/XX/XXXX. This in against Fair Credit Act. I dont believe that all credit card companies decided to report old XX/XX/XXXX information on the same day. 

As a result, my score has went down form XXXX to XXXX today XX/XX/XXXX because all credit card has been change back to old outdated info of this error causing non approval on a house

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have applied for HAMP at least XXXX times with Wells Fargo Home Mortgage. Each instance, they have offered us a " refinancing '' option that was impossible to agree to. We were told each time that deciding on the refinancing option would NOT impact our application for HAMP. However, each time we declined the refinancing option, we were then notified by Wells Fargo that our HAMP application was rejected because " you withdrew your request ''. This is not true. We rejected the refinancing option. NOT the HAMP application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: MicroBilt / PRBC (formerly CL Verify)
State: TX
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 noticed there are fraudulent and unauthorized inquiries on both my XXXX  report and XXXX  report. I am a victim of identity theft. The companies who fraudulently placed a hard inquiry on my report are XXXX XXXX XXXX XXXX, XXXX and Microbilt. 

These inquiries need to be removed or further action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Opened XX/XX/2020 ( {$370.00} ) I reached out to both the creditor and also the credit bureau 's about this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The Credit Bureaus and LexisNexis are crossing my file with someone else. They have me listed as deceased. I am being denied credit every time i apply due to this error. I have disputed this error and sent my information to them showing that I am alive and well with my Driver 's license. However they continue to report me as deceased

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: SUNTRUST BANKS, INC.
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In XXXX 2016 I made an over payment of {$25.00} on my Corporate credit card. Sense then ( XX/XX/XXXX ) I retired and surrendered my card and the account was closed. On XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX. I called SunStrust requesting a refund, each time I confirmed my mailing address and was told the check would be sent. Twice I was told the request was sent to the wrong dept. or the check was mailed to the wrong address. The last time I was told the check was mail on XXXX XXXX and I would received it within 10 working days. I do n't want call them any more 5 time should have been enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Opened XX/XX/2020 ( {$1400.00} ) I reached out to both the credit bureau 's and the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Received a late fee out of the normal fee after an auto payment was not set up correctly. Never had been late on a payment before, contacted Capital One customer service and was told they would not waive the fee. Was never late with any payments even during the pandemic. Then contacted Capital One corporate three different times and received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 personal information has been used for years due to a data breach and again has been used for medical services that has negatively effected my credit and life

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 2015-12-24
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I received a letter in the mail from Suntrust about suspicious activity on debit card. When i called in, I did find fraud ; closed debit card and have a case no. My first issue is this is the third time this has happened, only with Suntrust ( once on business account, twice personal ). I think they may have a security breach issue. I am angry because they would NOT credit my account for the amount of the fraud until after investigation. This is happening 2 days before XX/XX/XXXX, plus they knew it was fraud, they detected it. XXXX fraudulent charge for {$240.00} and XXXX for {$25.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: CARD Corporation
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
In the last correspondence Card.com has claimed to have blocked my card. Howevver, the intial request to block the compromised card came before the unauthorized charges took place. ( initial request on XX/XX/2016, copy of notification enclosed ) Additionally, despite recieving a completeted affodavit form, I was sent a letter for each disputed trans action from card.com dated XX/XX/2016 with thecstatement that the affidavit form was not received. Mind you, this was after receiving confirmation from XXXX separate representatives that the completed form was received succesffully. ( PLEASE SEE EVIDENCEENCLOSED ) When talking with card.com over the matter XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX over 55 times. I was told that my form was received about 90 percent of the time. This would also include written correspende confirming its receipt prior even proor to thedated later. 

I have went over and beyond my responsibility as a customer. Both faxing and emailing the affidavit form. 

Many times the contact to card.com was a three way call with an agent from bancorp bank making the call on my behalf. I was in fact promised the credit over 12 times on a recorded line! 

The fact remains that card.com has told me that they received my signed and completed dispute form and yet have devlined my credit based on not receiving s completed dispute form only to have me resubmit my dispute over and over and over again. 

Ive escalated my complaint several times only for the escalation to be replied with promises by people apologizing saying they will prrsonally seek the proper handling of the resolve to no avail. 

The continue neglegemce of card.com has caused seriest financial damages to me and my family and they need to take ownership of their failures and lack of proper hsndling as i continue to endure grave damages as a redult of their inaction and false promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: WELLS FARGO & COMPANY
State: WA
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:
Wells Fargo has a policy that allows you to only make a limited number of payments to a credit card from non-Wells Fargo accounts using their online banking system. 

This is a problematic policy for a few reasons : 1 ) Its strongly encouraging you to use additional Wells Fargo products that you may not need or want 2 ) There is a risk that you could have unnecessary interest applied to your account because you were prevented from paying off a balance 3 ) There isnt a risk to Wells Fargo for allowing more than the limited number of payments. The transaction clears the the ACH and should have any cost to Wells Fargo. 

In conclusion this is another predatory policy Wells Fargo has put in place that is harmful to its customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: BlueChip Financial
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XX/XX/2021 I received a call from XXXX XXXX XXXX said owe for pay loan that I did not apply for and I and the Supervisor with XXXX XXXX XXXX  call my bank to verify the account that use to receive the cash for {$800.00} was confirm that account was not in my name and that alert me to check my credit report and found there is another loan with Spot Loan that someone applied for XX/XX/2021 and cash was funded on XX/XX/2021 for {$800.00}, the same date this person applied for a with XXXX XXXX XXXX. I am filing fraud against Spot Loan and I never sign a contract with Spot Loan that day and they sent me a letter indicating the information on file matches my information. I have disputed with XXXX XXXX with an alias name I found listed on the credit report. O also was advise by Spot Loan to file fraud with FTC. I am in the process of filing another against Spot Loan and phone number that is indicated XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
SunTrust is reporting untruthfully that we were four months late paying our mortgage in the past 12 months. We did enter a Chapter XXXX plan in XXXX XXXX but during that time we consistently made the payments each month as we have in the past 10 years. After complying with our plan and receiving a satisfactory discharge in XXXX of XXXX, we had received no statements ( other than interest rate changes ) regarding our SunTrust mortgage account yet we continued to make the monthly {$550.00} payments as set forth in our mortgage agreement. Still, we received no statements from SunTrust but did receive an annual XXXX to document our owed taxes. Suddenly, on XXXX XXXX, XXXX, we received our XXXX and only statement that the equity loan had changed on XXXX XXXX, XXXX to reflect a payment of {$1400.00} per month. According to the letter, this meant that we were scheduled to be reviewed for foreclosure. SunTrust had increased the monthly payment of {$550.00} to {$1400.00} without any notification to us and we had paid perfectly for 10 years up to that point. The letter indicated that we owed {$4100.00} that needed to be paid in order to avoid foreclosure. We were able to pay this amount and brought the account current. 
We are in the process of refinancing this loan. We are encountering difficulty with the underwriter because the lender obtained a report indicating the XXXX XXXX - XXXX XXXX payments are late because they were not in the amount of {$1400.00} as opposed to the {$550.00} payment we had paid. We feel that because we were not informed in any way of this increase in amount no refinance agency should receive a report that were late. A payment was made every month. They failed to notify us of the increase and this is stalled a refinance

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 2022-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
Dear Bank of America On ( XXXX XXXX ) I used my credit card as defined under 15 U.S.C 1602 ( a ) ( 1 ) To extend myself credit through your company. I was denied on ( XXXX XXXX ) I received an adverse action letter from your company attempting to explain why I was denied. This was clearly an act of discrimination pursuant to 15 U.S.C ( 1691 ) ( a ) ( 3 ). I in good faith excercised my right to extend credit as a consumer, and a creditor and I was denied for no specific reason. You also violated federal law and you will be hold civilly and criminally liable because you violated 15 U.S.C 1602 ( a ) ( p ) you used my credit card with no apparent authority, and I the card holder and consumer received no benefit. You are now civilly and criminally liable under.

1.15 U.S.C ( 1611 ) 2. 15 U.S.C ( 1640 ) 3. 15 U.S.C ( 1691 ) ( e ) 4. 15 U.S.C ( 1642 ) To preserve the judicial economy, and save us both time and money in court. I am willing to settle this matter for the following. 
Extend me the credit I applied for! 
Reference # XXXX Reference # XXXX If you fail to comply I will not just stop at a civil complaint I will file a criminal complaint against your company as well. I am giving you 30 days to respond to my demands.. 
This letter is also being CC-To the CFPB and CC- To the attorney general.

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 2022-04-14
Company: Block, Inc.
State: NJ
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/2022 New Jersey unemployment sent out {$4900.00} Dollars and the government sent payments that was old to me on XX/XX/2022 {$5000.00} as well.however cash app keep saying they never received my payments from New Jersey unemployment.Ive told cash app it maybe the wrong Account number.unemployment May have sent.will they look up my profile to see if New Jersey sent my funds well as my name Attached to it. No respond with them. Tried calling him no respond they dont pick up New Jersey unemployment states they have sent out my payment to cash app and asked them to look up my name to see if any money came in it may be the wrong account number but routing number was right..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have had a XXXX ( XXXX ) starting XX/XX/XXXX. XX/XX/XXXX one of my Doctors ( XXXX XXXX XXXX ) stated that I was likely XX/XX/XXXX. XX/XX/XXXX I was ruled by an administrative judge to be XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX County XXXX ( XXXX XXXX, XXXX. ) contacted these all of the federal student loan agencies but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease XX/XX/XXXX as these directly impact credit scoring. 
DEPT OF ED / NELNET 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 2021-08-29
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2021 Disputed every fraudulent transaction. 

XX/XX/2021 Denied 1 transaction. 
( I disputed 72 ) XX/XX/2021 Fixed my dispute and resent for investigation. 

XX/XX/2021 Provided my Declaration_of_Fraud.pdf file, completed with every transaction. 

XX/XX/2021 Denied 32 Transactions XX/XX/2021 Denied 1 Transaction Today They had ample time to include all the transactions listed on the Declaration_of_Fraud.pdf that I filled out. They only included 32. It has been 10 days, I feel that they should have to pay me provisional credit, per S1005.11 ( c ) for the remaining transactions that they did not deny or include.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Bank Prime Equity Line # XXXX. Loan Balance {$9700.00} On XX/XX/2017, paid it off in full. On XX/XX/2017, Later Got balance Notification of {$36.00} paid XX/XX/2017 {$36.00}. Kept getting Email and messages on Web site for non-payment. Made 2 visits in person to Bank Branch, got assurance, will be taken care in 48 hours. On XX/XX/2017 got another email.. Went ahead and paid {$100.00} ( Minimum payment due ). On XX/XX/2017, Got another E-messages " Delinquent Payment ''.

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 2021-08-29
Company: Bridgecrest Acceptance Corporation
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
if the account is charged off how is balance continuously growing?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( JEFFERSON CAPITAL SY ) AT ( XXXX XXXX XXXX XXXX. XXXX, MN XXXX ) Has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Experian Information Solutions Inc.
State: CA
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:
I was denied an application for a credit card due Experian Report. The person that has a delinquent payment do not have the same last name as mine, and same social security as mine, Experian put that person in my credit report 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 non-monetary relief
Consumer complaint received 2020-04-01
Company: EQUIFAX, 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including several bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX  XXXX   XXXX {$2600.00} XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$120000.00} XXXX XXXXXXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation