BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/XXXX I stayed at XXXX XXXXXXXX XXXX XXXX by XXXX, a XXXX XXXX. The room cost was paid to XXXX XXXX. The XXXX XXXX made an error on XX/XX/XXXX and processed a charge of {$94.00}, and the XXXX XXXX immediately realized the error and reversed the charge. We were there and know the refund was contemporaneously processed by the Hotel. The transaction was processed on a Capital One credit card. 
Capital One immediately posted a charge of {$94.00} and has refused to acknowledge that a reversal of the charge was contemporaneously sent. It has been 5-days and Capital One has refused to acknowledge the receipt of the reversal and the charge remains posted to my account. I called the XXXX XXXX and they cooperatively provided documents showing they immediately corrected the error. 
I called Capital One, first a representative located in the XXXX answered and their understanding of XXXX led me to request a US based representative. That representative was reading from a script saying that refunds are processed differently, and they have no control, and the refund document is not acknowledged to the extent it is posted even after five business days. 
I spoke to a supervisor, Senior Account SupervisoXXXX XXXX- she would provide no additional ID information. While the Hotel issued contemporaneously a refund, Capital One is immediately recognizing a charge but delaying the recognition of the refund. Capital One established the refund process and it is designed to benefit Capital One in the recognition of charges that were in error and immediately reversed. 
Charges and charge reversals should be subject to the same time frame that governs posting of charges. Instead, there is a delay which is to the benefit of Capital One. 
There needs to be a banking regulation to restrict this behavior and limit the bank to equal time of recognition of charges and refunds. Moreover, Capital One claims never to have seen the refund, we have the documents, and they were sent at the same time. Capital One refuses to allow me to send them the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received credit card with my address, wrong name.. 
Did not apply for any card, received Chime card Did not apply for loans., was contacted by a loan co. 
Will not apply for any other cards or services I have no need for any accounts ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Ocwen Financial Corporation
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom it May Concern : Correspondence sent to Ocwen as there was an outstanding judgment associated with case # XXXX. The judgment was confirmed satisfied by Ocwen on XXXX/XXXX/XXXX in writing ( attached ). A corrected XXXX was received but the satisfaction of judgment has not been filed which is preventing the refinancing on XXXX XXXX 's residence. 

This matter has been ongoing for 3 months and has been escalated several time. Ocwen has failed to satisfy the judgment as promised thereby continuing to impact XXXX XXXX 's credit and ability to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Attached report I have Several Fraudulent accounts opened in my name, alone with several inquires that I didnt authorize.. I disputed with the consumer reporting agency.with no results.. Also im the middle of figuring out how to add temporary freezes to my report.. Ive file an identity thief report..The accounts are listed below CREDIT XXXXXXXX XXXX XXXX  LATE PAYMENT Balance {$420.00} Updated on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX LATE PAYMENT Balance XXXX Updated on XX/XX/XXXX XXXX Link card name|What 's this? 
LATE PAYMENT Balance {$380.00} Updated on XX/XX/XXXX XXXX XXXXXXXX Link card name LATE PAYMENT Balance {$320.00} Updated on XX/XX/XXXXXXXX XXXX XXXX XXXX  BANK Link card name LATE PAYMENT Balance {$600.00} Updated on XX/XX/XXXX XXXX XXXX XXXX Link card name LATE PAYMENT Balance {$16.00} Updated on XX/XX/XXXXXXXX XXXX Link card name LATE PAYMENT Balance {$0.00} Updated on XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX BANK ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX BANK ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: AMERICAN EXPRESS COMPANY
State: UT
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 American Express and XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumper plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Good afternoon! 

Several weeks ago on XXXX I attempted to retrieve my annual online credit report from EQUIFAX via the XXXXXXXX XXXX website. On XXXX I sent a dispute in to EQUIFAX via their myequifax website. I spoke with Call center Supervisors, XXXX, XXXX to no avail. On XXXX, As requested I faxed my drivers license and social security card over to their fax line XXXX. I call on XXXX and XXXX and they have not processed it. I can not access my online credit report from either XXXX or MyEquifax.com ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX, 2017 I checked to see if my information had been compromised through equifax 's security breach. It was indicated my information may have been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: SYNCHRONY FINANCIAL
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:
i have never missed a payment on gas card or my medical card. i knew that i would need new credit for our flooring and reduced the line of credit on my gas card by {$1700.00} and my medical card by {$4000.00}. i then was approved for less credit than i needed at 2 flooring stores. i closed those cards and my gas card to increase my chances of getting the credit i needed. i was then denied even though i reduced my credit lines by {$12000.00}. this stinks. i will no longer use Synchrony bank or its Vendros going forward.

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 2022-09-02
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My issue is with my BJs credit card from Comenity Capital Bank. The credit card rewards program is 5 % back on most BJs in store purchases. For several years, the program worked great. Every {$200.00} spent, I would see a {$10.00} award to apply to my next purchase. This all changed in XX/XX/2022. Since XXXX, I have not been getting any rewards. I reached out to the bank on several occasions. They admit they are working on it. Updating their system is what they say. But this has been going on for over 2 months. My awards are being held hostage, and the customer service keeps stringing me along saying we will have this corrected by x date but nothing happens. I have called the BJs membership customer service line. They too are perplexed and frustrated and have heard hundreds of the same complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error.

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 2022-09-02
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello, I have been contacting Heartland ECSI via their website and contact number but no one returns my phone calls. I am currently unemployed and will need to reduce my monthly payment, the loan I have is a Perkins loan and I am currently submitting PSLF Loan Forgiveness waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was informed of a credit card appplication made using my social security number with Bank of America. I reported the fraud to Bof A

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 2022-03-08
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2022 at XXXX I received an email from Bank of America to confirm my email account. At XXXX I received an email from Bank of America that an online application was in progress for me to open an XXXX XXXX Banking Account. I did not attempt to open this account. There was nowhere on the email for me to deny opening that account. I have spent 3 hours on the phone, mostly on hold, with Bank of America to report this fraud. I keep getting transferred to different departments and being placed on hold between each transfer. On some of the transfers, the automated system will end the call because I do not have an account number. I am currently on hold after being transferred to sales and being refused to talk to a manager, I was again put on hold to reach the checking account fraud department.

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 2022-03-08
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-09-02
Company: BARCLAYS BANK DELAWARE
State: MA
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:
The credit card company is not handling my dispute properly. 

I reasserted the dispute on XX/XX/XXXX and sent documentation to show improper billing/service not provided/received. 

On XX/XX/XXXX I called to check on status of dispute and was notified the dispute was still open/pending. 

I requested a call back from a supervisor to confirm the documentation I had submitted was sufficient and to discuss the billing dispute before a final determination was made. I was informed a call back would be made within 1-5 business days and that I would be contacted before a final decision was made. 

On XX/XX/XXXX I called back because I had not received a call by the 5 day deadline ( XX/XX/XXXX ). I was notified that the case was closed on XX/XX/XXXX without a callback from a supervisor prior to final determination, as agreed.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern : I received a copy of my credit report and found errors. 

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: SLM CORPORATION
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls to my personal phone number. Additionally, XXXX XXXX defaulted my loan when I had made a payment on the account. When I had requested that my loan be serviced due to errors made on the account, I was not communicated with they defaulted my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Bread Financial 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 is missing that should be on the report

Complaint:
I have BJ 's perks MasterCard issued by Comenity Capital Bank. 
On XX/XX/2022 this account was paid in full. 
Payment posted XX/XX/2022, according to online account service. 
On XX/XX/2022 this account was reported to Credit Reporting Agencies, without reflecting this payment. 
After XX/XX/2022 reporting stopped completely. 
Today is XX/XX/2022 and my credit report still shows a balance of {$2700.00}, while balance on their website shows negative {$11.00}. 
This misreporting hurts my credit score a lot. I notified them multiple times regarding this error, by phone, thru secure messaging on their site and disputed this information with credit bureaus. 
Also they were notified that I'm applying for mortgage and this incorrect information hurts me a lot. 
Few banks declined extending mortgage to me, based on the credit score shy of just few points of threshold. 
If Comenity reported correct information in timely matter - bank would approve my mortgage. 
Additionally it hurts my business, also, since I am unable to be guarantor for new truck order, because of this BJ 's MasterCard account not being reported correctly, and lowered my score. 
It is ONLY account with balance on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
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:
My current address is XXXX XXXX XXXX # XXXX XXXX, Texas XXXX. On my credit report the apartment number previously is # XXXX. The owner XXXX XXXX IS THE OWNER OF BOTH PLACES. My email, everything is HACKED! These people are fraud XXXX. My criminal is incorrect I think there is IDENTITY THEFT. Cybor CRIMINALS. I was born in XXXX ... it has the year my social security number was issued in XXXX. XXXX XXXX is my mother and I think she is fraud she was born XXXX. XXXX XXXX was born XXXX ssn XXXX. He died died XX/XX/XXXX. Please help owner always wAnts a XXXX payment I live in XXXX XXXX XXXX I DRIVE XXXX XXXX XXXX license XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 placed a hard inquiry on my credit report. I have never applied for credit with this company. I contacted the company back in XXXX of XXXX and was told they would look into the inquiry. As of today no one has contacted me.

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