BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a victim of identity theft. 
on or about XX/XX/2020, Capital One sent me a letter telling me that they had put a hold on my Capital One account because they wanted to clear up concerns they had around potential FRAUD. They wanted me to call them so that they could work to resolve this issue with me. I called Capital One on XX/XX/2020. They stated that an individual was claiming to be me, so they wanted me to send them copies of my driver 's license, social security card and proof of residence. I send them what they requested. 
On XX/XX/2020, Capital One sent me a letter telling me that they had put another hold on my credit card account, because they suspected FRAUD. I sent them copies as they requested. Capital One sent me various new cards to clear up to eliminate the potential FRAUD. This potential FRAUD was never eliminated by Capital One. The Thief has stolen my social security number, driver 's license, birth date and was able to deceive Capital One employees into allowing him into my Capital One online account. Where he was able to change my password and user ID. To this date Capital One has refused to comply for the various records/documents requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have had a credit card with BOA for over 17 years ; and this is about the 10th time they have lowered my limit, due to me paying it off in full. We all fall on hard times, however, BOA takes advantage of their consumers. They lie about sending their consumers letters stating that they lowered their credit limit. This is the last time they will do this to me, I will play the {$1000.00} I owe them and close the card. I have always paid my bills on time, and I have most of my bills taken out automatically. However, with BOA, I have nothing but problems with their on line credit card service, either, I ca n't pay it on line, because of their system being down, or some other reason. Yes, I may have paid it late, however, in my defense, after taking care of my best friend who was XXXX for 2 years, there may have been a delay in going back on line to BOA because 2 days ago, I could n't get on line. My other credit cards, which I only have XXXX more, do not have a problem with their on line banking, my mortgage, XXXX XXXX XXXX, car payments are all automatically taken out every month. I have a score of above XXXX, and just because I paid BOA most of my credit balance, they checked my credit and lowered my limit from {$4600.00} to {$1500.00}. Now in my eyes this is deliberate, they did this a number of times to me, as soon as I pay off a big chunk or the whole balance, they pull my credit report and lower my balance. So, XX/XX/XXXX I had {$4600.00} in a credit limit, today in XX/XX/XXXX I am down about {$3000.00} in my credit limit. I have spoken to them and they gave me the story that they check credit every 6 months, well if they did that, about a year ago, they should have lowered my credit limit, as I had a tenant leave my home, I was neck high in bills using my cards and my score was lower than today. So, why not bring my credit limit down a year ago, why XX/XX/2016, when my scores are higher, and my bills are lower. I am so tired of BOA 's deceptive credit card practices, they need to be investigated, as on Consumer affairs, there are XXXX 's of complaints. I am not happy that BOA keeps hitting my credit, and I still ca n't believe that they lowered my limit due to me paying it down. Is it because they are losing money on me, no more ridiculous interest charges. Checking my credit and lowering it, make my credit score lower, and that makes me very unhappy, as I cherish my good credit scores. Because of BOA, if I need to apply for a leased car, which I have to in about 2 months, I will have to pay a higher monthly payment, as they will see that BOA lowered my limit, and makes a hard inquiry on your 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 2021-02-19
Company: EQUIFAX, INC.
State: VA
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 sent out multiple letters to the credit bureaus and creditors to validate negative information on my credit report. I have the proof. All collections on my account need to be removed ASAP. I was a victim of fraud and there are several unverified and unverifiable accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To whom it may concern was looking at my credit report and recently noticed something that is in there that is 100 % inaccurate and not mine. XXXX XXXX is saying something abuot some collections from XXXX XXXX XXXX XXXX which i have no knowledge of and was never authorized by me. No one has ever contacted me and i never owed XXXX XXXX XXXX XXXX  any money any time i dealt with them in my life. To the best of my knowledge this is fraud because i never signed anything with XXXX  XXXX XXXX for XXXX dollars. I did not authorize this. I tried to call them and got no straight answers. The collections company said you and XXXX XXXX XXXX XXXX couldn't give a direct answer they weren't sure. I asked them to remove from my credit file and they said they couldn't. Thats why I am coming here since you guys are fair and I am within my rights to fight against inaccurate information due to the fair credit reporting act.

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 2021-01-12
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX, XXXX sent me a letter on XX/XX/XXXX stating that I owe a debt in the amount of {$16000.00} to XXXX XXXX, XXXX. They also state that they are willing to reduce the amount by 35 % to {$5.00}, XXXX. ACCOUNT NUMBER : XXXX. The letter doesn't not include enough information about this debt. I've never heard of XXXX XXXX, XXXX. Original creditor Santander Consumer USA INC. I am filing a dispute about the debt they are trying to collect. They contacted me by mail, on XX/XX/XXXX and identified the debt as XXXX XXXX, XXXX. I don't not owe this debt. I've called several times and someone repeatedly hangs up the phone. I've researched both companies and no additional identifiable information is available. 

This is the second time this fraudulent company has tried to accuse me of a debt I do not owe. Similar debt with different amounts from a different creditor. See my previous complaint I filed in XX/XX/XXXX. This needs to stop. 

Please stop sending me fraudulent letter claiming I owe debt. LEAVE ME ALONE LIARS. 

Hide full complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I received a XXXX loan to pay off debt. I was making the regular on-time payments and unforeseeably my work hours were cut. I immediately contacted Loan me regarding the matter and they refused to offer any options of repaying the loan. I sent them a cease and desist letter and canceled the ACH transactions that were set up. After speaking to numerous representatives, I finally spoke with a supervisor who was able to assist me. I was originally paying {$840.00} a month at 95 % interest to {$500.00} a month at 0 % interest for 20 months until the loan was paid off. I requested something in writing of the new loan term but Loan Me refused to send me anything. Before I could make the payment, I went online to my account to submit the payment and they changed the loan back to the original terms without notifying me in writing. I called and spoke to a supervisor to inquire about the changes and he was rude and yelled I needed to make a payment immediately. I asked him where in writing did they make any changes and he refused to tell me and then hung up on me. I am currently working to repair my credit and am only trying to make my payments on this loan but they never told me they were changing the agreement back to its original terms. They also told me I was responsible in paying {$11000.00} back which was never the amount I owed on the balance. My original balance was {$9000.00}. The first payment I made was for {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
on XX/XX/2021 I sent a letter pointing to inaccurate and false and accounts reporting on my credit report. It has been 60 plus days and nobody has yet to respond to my disputes on the matter. According FCRA 15u.s.c. 1681i, failure to investigate dispute items 30 days of notice by a consumer of the date agency receives notice of dispute, the disputed items shall deleted/removed in accordance with paragraph 611 ( a ) ( 5 ). I am fully aware that this is a direct violation according to FCRA 15 u.s.c. 1681s-2 623 ( a ) ( 1 ) ( A ) ( B ) which has damaged my reputation according to FCRA 602 ( a ) ( 2 ) and caused me stressed and I demand these accounts be deleted from my credit report immediately which has also caused my information to be impacted by the XXXX Data Breach or I will file for litigation.

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 2015-12-18
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I purchased and placed {$100.00} onto a " Reloadit '' card. In going to access my already established 'safe ' account, the site states that it can not connect to the service at this time. ( www.reloadit.com ) I have been trying this since XXXX. I also tried to call the number listed and get nothing but 'dead air ' ... no ringing, no anything. ( XXXX ) I am needing to transfer this cash to a pre-paid debt card to do as I need ... like buy xmas presents! ( and bills, XXXX, etc ... )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had previously opened a simple checking account at Wells Fargo. Soon after, during a visit to the branch I was approached with the recommendation of opening XXXX separate accounts! They convinced me to open a separate account for each and every rental house I own. They spoke of tax benefits and gold memberships and things that did n't make much sense but they sold me, after I made sure there were no fees attached to these accounts. I specifically never open accounts that will charge me fees. Never. And I would never ever open XXXX accounts with fees!! I was assured by XXXX XXXX that no fees would be charged to these XXXX checking accounts. I found XXXX checking accounts to be cumbersome, confusing and impossible to manage, and worse, after three months had passed, I began to notice service fees being taken out of XXXX of those accounts!! I was furious! I went back to XXXX XXXX who convinced me to open all these accounts, and demanded to know why they were charging fees when she specifically promised me there would be no fees. She had the audacity to tell me it 's just the first three months in which no fees are charged, but after three months the fees start. No way had she ever told me this. This woman straight up lied to me. She specifically told me no fees would be charged. NO way would I have opened XXXX extra checking accounts that I did not need, and pay XXXX times the fees. I was lied to and cheated, I was used to boost the bank 's new account ratings and stock prices. I was a pawn, not a customer. I was used and cheated by Wells Fargo Bank.

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 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have sent out letter to the companys and the credit Bureaus.. The inquiries on my TransUnion, XXXX  and XXXX that I did not apply for is. ( XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2017-03-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me the method of verification within 15 days of my request. This should be hard evidence that goes all the way back to the original creditor. I did not consent for them to use an automated system as means of an investigation process using any online computer program, XXXX, etc. The credit bureaus are required to send the all of the supporting documentation regarding the dispute on to the furnisher of the consumer 's account within 15 days.

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 2015-10-19
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
Unresolved account Settlement : As a final result, " we 've determined the payment was not cashed by us '', after all the payment are delivered to the address provided on the payment stub from the other Money Orders received and post it on my account! The result is unfeasible because it is leading me to believe that the Account Payable Department are going on lunches on my expense, cashing these money orders to different places instead of posting it to my account. 
Since than, I have sent XXXX additional payments, XXXX on XXXX/XXXX/2015 for {$210.00} and another XXXX on XXXX/XXXX/2015 in the amount of {$74.00} ( balance from adding all of my receipts and confirmed from the last statement of XXXX/XXXX/2015 ) which should bring the current balance at {$0.00} again. 
It has been my experience that Customer Service is well practice from the people working at the gas stations, always treated me with respect as well as the agents when calling about my account issues. 
Unfortunately, after submitting all of the supportive documentations several times about money order payments, written the same way, sent at the same address provided on the payment stub, confirmed legitimate address due to, receiving back the Certified Mail Post Card, and cashing them of which some are not getting post it on my account, causing the balance due to fluctuate outrageously amount after each time a manager get 's involve. 
Furthermore, I have great concern about how the company 's Account Payable Department is attending their affairs, such as : - The money orders are received, cashed, written and submitted the same from the ones that are post it as 'Last payment Amount '' and some that are not. 
- Continuation of " Current Balance '' fluctuating higher after payments received and confirmed by your agents. 
- Inconsistency about my account information when speaking to the managers that are disrespectful ( strongly suggest to lesson to your recorded calls ). 
- Repeatedly losing the money orders sent on a timely manner. 
- No confirmation by manager about the interoffice practice in your company. 
These factors are raising a great concern because it is SABOTAGING my account to possibly damaging my credit score. 
How would you feel if this would to happen to you? 
With all due respect, I am demanding that my account be resolve immediately of which it has been going on since XXXX 2015. Please, adjust all surcharges for late payments and to reimburse me of all of the money spent proving a legitimate business with your Company. 
I hope that you understand my frustration and help me about my concerns.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Following is a copy of my most recent letter to Nelnet : I am writing to you again to ask that you PLEASE SPECIFY WHAT YOU NEED FROM ME to show that I qualify for student loan discharge because I am on XXXX. 
I have sent you everything you asked for ( over and over and over ) and you still deny me saying you did n't get the documents. And it 's funny that as soon as I send the requested documentation ( sent them three ( 3 ) times ), you send me a letter saying you did n't them. 

I want you to BE SPECIFIC about what you need from me to qualify. If the document has a number or specific name or alpha-numeric number, please specify! 

I WANT THIS MESS CLEARED UP because my credit report is still suffering!!! We have been working on it since XXXX of XXXX ( over a year! ) and the letter states it could take up to 30 days. It has been over 325 days and that 's ridiculous. 

Also, when you recently ( XXXX/XXXX/XXXX ) bought or overtook my student loans, it shows on my credit report twice, ( which now totals the same amount three times! ) and INCREASED MY STUDENT LOAN DEBT BY {$6300.00} AS STATED ON THE ATTACHED SNAPSHOT OF MY CREDIT REPORT. Now it 's showing I owe over {$9000.00} in student loans and I actually only owe a little over {$2500.00}! Please correct my credit report duplications ( again ) which we have been working on for over a year! I only owe XXXX SET OF ( XXXX ) small LOANS, NOT XXXX! 

If you ca n't get them either dismissed ( as they should be ) or correctly listed on my credit report within the next 30 days, I plan to write your superiors and they will track who was supposed to handle this and handle it correctly. 
XXXX XXXX XXXX ; DOB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Chase Bank Slate Card : Handling of dispute between myself and an automobile repair facitlity was grossly mis-handled and after being assured that it would be investigated and I contacted if anything updated, the disputed {$150.00} charge was put back onto my card on XXXX/XXXX/16 without so much as a message to that effect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2021 I received an alert from XXXX XXXX that my date of birth was changed in my Bank of America accounts. I called Bank of America and they said it wasnt possible. I told them to check anyway and sure enough my date of birth had been changed. They said they did not know how that happened.

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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2016-06-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Earlier this week, I had a call come in that turned out to be someone attempting to get my bank information. I called Chase and let them know about the call and that I was concerned because someone apparently had at least some of my information. They verified that everything was fine with my account and not to worry. If anything came up, I would be contacted through their secure messaging. 
So yesterday, I was checking on my account and saw that a check that was supposed to be there, was n't. I verified that it was actually supposed to be in my account by yesterday and then called chase to find out what the hold up was. They verified that the money would be in my account by the end of the business day. They also said that there was a restriction on my account but not to worry. 
I sent an email later in the day through their messaging system to find out what this restriction was. they sent me an answer with a number for me to call. So I did. Turns out the restriction was that Chase was closing my account. Even better, they would not tell me why. the representative would only say that Chase has the right to close any accounts without any warning or explaination. She did say that if I called today that I would be able to go and take my money out of the account today. 
So I called today. And was told that no, I could not take my money out today and that they would be sending me a check for the amount. 
So now are they not only closing my account without reason, but they are now holding my money hostage as well. I am at my wits end and I do not know what to do at this point.

Company response to consumer: Closed with explanation