BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, 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 spoke with a representative from Equifax and explained that I had identity theft against me and someone applied for things in my name. I was told they needed the identity theft report with the dates that this happened. I have included this in this complaint and they should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$680.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: UMB FINANCIAL CORPORATION
State: TX
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 applied for a bankcard with UMB Bank, n.a. Received a letter of denial which listed Issuer 's XXXX XXXX as the credit reporting agency. My XXXX  credit reports shows that UMB pulled a credit report, not the service listed on the letter. UMB did not disclose that they pulled a credit report from XXXX. There were no credit score details or other disclosers included with their letter of denial which are required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
AN ENORMOUS AMOUNT OF PROBLEMS seems - to have started when something went wrong with XXXX account at XXXX XXXX! 

It was a Checking Accnt. I was using that account to make automatic payments to a lot of Credit Card Companies. 


When something went wrong with that checking account at XXXX XXXX- it caused things to go wrong with payments to Credit Card Companies! 


Then - that caused Credit Card Companies to start sending false info to my files at Credit Bureaus! 

Then - that caused those Credit Bureaus to send false info about me to a lot more Companies! 

Maybe all over XXXX XXXX? 

How many Companies??? 

Strange thing- if something goes wrong with XXXX account - if it is a checking account- it can spread a lot of problems to a lot of companies! 

I will file a more detailed complaint when I have more time & more energy! 

When I have better health!

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 2017-07-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have tried to file this over the phone but it did n't work. I am near a public library now and am able to attach this  Macy 's card that I have made at least 15 calls about and been called a liar, received two ( emails from Macy employees -- one was nice  the other did n't even speak, just sent an attachment? like I would open that on a friend 's smartpho ne? ). ( see  attached, ca n't locate email from  XXXX   XXXX  -- he was pleasa nt ) The following days after contact from Macy 's  personnel, I received offers to use m y Macy  's card that there was {$50.00} credit on it for me. ( see attached ) I am sick of them. I know their company is doing badly but leave me out of it. DO NOT SEND CARDS AND THEN YOU CA N'T USE THEM.     That is wrong and tell me you tried to reach me but n o one ans wers. I do n't have a phone, you silly geese. You  CAN survive as an ID Theft victim without one an d it is better.

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 2019-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Few months ago Bank of America closed my 2nd credit card that I had with them of credit line {$14000.00} and XXXX balance ( debt ) on it, several months of keeping it debt free - XXXX balance. They also lowered my credit line on 1st credit card ending XXXX from {$14000.00} to {$6400.00}. This all happened after I called Bank of America customer service in order to check with them to see if I can get promotional balance transfer to my 2nd credit with credit line of XXXX where I wanted to consolidate my debt in one single payment and help my self to pay off things faster. Few min later lady came back on the phone and said that she will immediate close my 2nd credit card, and lower balance on the first credit card to {$6400.00} due to income debt ration. I asked her what are the proofs you have on file for my income and how truly you know how much money I make? She repeated that my cc will be closed and no questioned asked and credit line lower on the other one. I told her, after 10+ years of loyalty with you, never missed payment, never defaulted, all balanced paid off, i asked first time for the help and instead to help me out you made things even worse. After they closed cc and lower credit line to my cc, my credit score dropped so bad and hurt me very bad. I called few times after to talk to managers, they promise to call me back and never did in order to get credit line back. My intention was never to additionally spend more money using their cc and put my self in more debt. They never waned to listed to me, neither to work with me, they never gave explanation for closing my credit card except income debt ration which was totally wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
HELLO this company is did a hard click on my credit file without my written consent i never asked them for credit and never authorized any one to ask them on my behalf they are refusing to remove the hard click of my credit file the date was XXXX/XXXX/2015 my ss # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: JPMORGAN CHASE & CO.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
ONCE AGAIN CHASE AND THE DEALERSHIP FAILED TO PROCESS TITLE CORRECTLY AND HAVE NO LIEN OR TITLE ON MY CARD. SEE LETTER FROM THE STATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a request for a validation of the debt and I have not received any response. The only reason that I knew of this debt was by looking at my credit report because I have not received any notice. 

I have also disputed the item on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: AMERISAVE MORTGAGE CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX into XXXX preapprpved through local mortgage company for cha for XXXX w 3.5 %  down asked by amerisave to upload deppaoys XXXX numerous contract all reuploaded within 24 hours.  On day of close XX/XX/XXXX amerisave decided to tell title company that loan was n't going through after cousins accou t through XXXX XXXX was dinged for wire live transfers. Had to move because buyer need weekend to redo kitchen living bathroom and need money for down payment of new house and to pay off his loan. Letter of homeless caused by amerisave and then they co rates me in XXXX and wonder about why I did n't close yet. Resigned papers 5 times have emails and proof. Rate locked at 3.5 to close showed 3 %

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LOWES CREDIT CARD SYNCHRONY BANK I RECEIVED A LETTER DATED 1XX/XX/219 STATING THAT CREDIT LIMIT IS REDUCED FROM {$2000.00} TO {$190.00} DUE TO CREDIT REPORT SCORING SYSTEM THAT I FIND DEROGATORY AND EFFECTIVELY AFFECT MY PUBLIC RECORD,

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 2019-12-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a VA Home loan that was transferred to PennyMac Loan Services , LLC . On XX/XX/2019, we had reviewed my loan for a no out of pocket cost refinance. On the XX/XX/XXXX I began signing document to complete the transaction. There were some mistakes and they were going to to remake a document for me to sign and it was signed and passed to underwriting. I received 1 more telephone call wanting to confirm documentation for the underwriting on XX/XX/2019. On the call they stated that I would need {$5000.00} out of pocket for closing cost on the date of closing. I informed them that this was not correct! Your reading something wrong, This was supposed to be no cost out of pocket is what we had originally agreed. They said they would get back with my loan officer and he will be in touch with me. After a week, Nothing, I have place several phone calls and no one answers or has returned voice mails. They have straight up ghosted me! Now I have received notification that they have canceled my home insurance ( failure to pay ) without cause. I am in middle of trying to straighten this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Credit inquiries on your report that you don't recognize

Complaint:
THESE INQUIRIES ARE NOT MINE AND FRAUDULENT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-02-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I am an account holder with Chase, and had my debit card compromised and someone made fraudulent withdrawals on XX/XX/XXXX ( although now they are showing up as XX/XX/XXXX when I log online ). I reported the charges as soon as I saw them on XX/XX/XXXX and the following day XX/XX/XXXX was emailed from the Chase Customer Claims dept and asked to submit an electronic affidavit on the incident. I promptly returned the affidavit and finally got a response from Chase today the XX/XX/XXXX. I was surprised to see that the boxes I had checked off on the affidavit were NOT the ones in the document they had on file, and they denied to reimburse me because I had checked a box that read " I never received the card in the mail ''. I called them and they agreed ( after escalating to a senior supervisor ) to allow me to fill out the customer questionnaire a second time. I carefully filled out the customer questionnaire/electronic affidavit the second time from a desktop computer, and after proofreading it carefully and re-submitting it, was very disturbed to see that AGAIN my answers were not the ones that appeared on the upload pdf in their secure messaging system. I called Chase Customer Claims a third time and asked to be permitted to send in the affidavit a third time, and this time opted for a hard copy which I filled out in pen and paper and faxed to them directly ( and brought a hard copy to the nearest branch ). Furthermore, my ATM card debit charges all came from XXXX, which is a Chase branch. The bank knows very well that I have had an ATM card with them for the past 8 months as I use it nearly daily, so the notion that I checked a box " I never received the card in the mail '' is ridiculous. Furthermore, I am concerned that there is a " glitch '' in the Chase Customer Claims " Customer Questionnaire-Electronic Affidavit '', that is changing the answers one types in, and thus giving the bank a reason to deny compensating customers. I am absolutely 100 % sure that I filled out that questionnaire with different checked boxes than what ended up uploading to my file, and the fact that it happened twice has me extremely concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: GU
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
AFFIDAVIT I,  XXXX   XXXX , the  petitioner, witness, and r epresentative for my wife  XXXX   XXXX  stated that, I had P.O.A was uploaded on the complaint #  XXXX  by me including my driver 's license my wife 's ID card and copy of her social security number. I also stated that, I assist my wife because of her limite d English and knowledge of our dispute with these credit bereua including,  XXXX ,   XXXX   XXXX  , Experian, esp ecially, the  XXXX   XXXX   XXXX  here on  XXXX  has had the major problem issue to report to the  XXXX  Credit companies above reported our incorrect social security. I do n't know if I made mistake, I can not locate the Complaint number above. I request the CFPB to send th e POA in cluding my diver 's license and the copy of my wife 's social security and her ID card to the  XXXX  credit companies above to fix the incorrect information spell of her first name with  XXXX , and to fix the la st 4 digit of her social  security including her last name if there is any inaccurate personal information with  XXXX   XXXX , and Experian as well. The spelling of her last name with Experian  (   XXXX   ) the  correct is  XXXX . the correct of her last for digit of  her S.S.   XXXX . I also request the  XXXX  credit companies to fix my wife 's personal information so she will able to get better score on her FICO score.

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 2019-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX {$10.00} XXXX/Bill XX/XX/XXXX {$1300.00} XXXX XX/XX/XXXX {$200.00} XXXX XX/XX/XXXX {$83.00} XXXX XX/XX/XXXX {$5.00} cash advance fee XX/XX/XXXX {$6.00} cash advance fee I called on XX/XX/XXXX later afternoon when I logged in my account found out those translations, I was sick at home in CA, the translations made in NJ.

Capital one bank send back four translation credit for {$200.00}, {$83.00}, {$1300.00}, {$10.00} on XX/XX/XXXX.

But on XX/XX/XXXX, capital one bank billed back on my account for {$200.00}, {$83.00}, {$1300.00}, {$6.00}, {$5.00}, also interest for {$0.00} I called, they say its no way someone can copy my card with the chip, the card was present when purchasing, Im responsible for the translations. But I really didnt do it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My credit report shows XXXX inquiries made in the last 120 days. These are inquiries I did not approve. The companies are listed on my report as XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX XXXXn XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX  on XX/XX/XXXX, PXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX card on XX/XX/XXXX. I also had a credit card with XXXX opened with my social security number but incorrect name and address in XX/XX/XXXX. I was able to contact that company and file a fraud claim 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 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 disputed an entry on a judgement listed on my credit report since    XXXX   XXXX  ,2017  and they have failed to respond back to in a timely manner, This issue is with a judgement ref #  XXXX . and I still hv not heard anthing back from them yet

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 2022-05-03
Company: Americas Car-Mart, Inc.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to call repeatedly and speak with someone to settle and get on a payment plan for the amount owed and noone will answer. I have tried several options on the automated system that pops up when I call. When I spoke with them over a year ago they stated that they would not email me or mail me any information regarding this debt and at that time I had called them in the company of my credit councilor when I began trying to fix my credit. Since then I have made several attempts to call and they just don't answer. This debt is severely impacting my ability to purchase a home that I currently have under contract due to their failure to ensure that they are reachable or send me any information about this debt so that I can try to resolve this. 

The Company name is Colonial Auto Finance and they do the financing for a Buy here/Pay here lot called XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation