BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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 Home Depot/Citibank card company is refusing to credit {$500.00} to me after I have completed the dispute process and has notified Home Depot corporation that they refuse to discuss the matter. 
A person, without my authorization purchased tools on my HomeDepot card. The card was reported as missing, cancelled the day after and though this person was not an authorized user, the company refuses to not only credit my account but they refuse to provide a copy of the reciept or video of the thief so I can pursue criminal charges. 
This originally occured on or about XX/XX/2022 and the dispute has been ongoing since that time.

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 The XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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 2022-11-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
The car dealership was not given permission to run my credit no more than one time. They ran my credit numerous times without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-21
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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This account is over a year old, my credit limit is {$4000.00}, my current balance is {$1200.00}. Today my card was declined twice and account is " currently restricted. '' I have never missed a payment and in fact have generally made payments in triple the amount due. My account has never been in arrears or even late. 

Today I called them to ask why my card was declined, they didn't know. Nor could they explain what it says " account restricted '' on the front of my online statement. I don't know what game they're playing here but am fairly certain this is no way to treat customers or run a business. If there isn't a law against this malfeasance, there should be. 

Now I have a useless credit card in my wallet, it is the ONLY credit card I have. The company offers no resolution to a problem they themselves created, nor an answer to any of my questions. I guess it's not enough they charge an outrageous interest rate ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
I am unable to make payments online and keep receiving late payments for it. 
I first noticed in XXXX of this year that my automatic payments hadn't been going through, but I hadn't received any kind of notice but had incurred late fees. When I opened the app to try and make a payment the app wouldn't allow me to and said I must call : XXXX XXXX XXXX I called the number but the person on the phone said everything looked normal and fine. Had me try opening it on a browser on my computer and had me try some password reset tests. Nothing worked. She finally suggested I go in to a branch to fix it. I didn't have time, so he following month I paid by phone, but after that, the phone option wouldn't work any longer so I went in to a branch. Which much tedium they pulled money out of my checking account and I paid but they couldn't help me fix it without an appointment. So I made an appointment for a couple days later. I went in for the appointment and the banker tried a bunch of things but was baffled and couldn't figure it out. All that I want is the same customer experience as everyone else. I don't want to have to take a longer lunch every month to lose money from my hourly job to go in and pay. I just want to setup automatic payments and have them stop charging late fees and making it so difficult to make payments.

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 2022-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
These account information on my credit report is incorrect, The loan amount is inaccurate, delete immediately. 

XXXX XXXX XXXX - {$4000.00} find attached a letter form the furnisher on the amount owed and check your reporting for confirmation. in the letter it says the alleged debt was {$4000.00}.

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 2022-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2020-09-26
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
I applied for the Chase XXXX  XXXX  card. 
EARN {$200.00} Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account openings. 

I have excellent credit and they said that 7 years ago I had a collection that I settled back XX/XX/XXXX they said that they will never take that off the credit bureau probably do but they keep it forever and if that's the case I needed to know so I would never apply for Chase 's credit cards because I received a hard inquiry on my credit score and I don't want to keep getting hard inquiries with Chase if they do not take away the 7 years when I was young it was actually back in XXXX but I started to do better in my life so I considered settling for 400 and 50 something dollars. I spoke to the lender and the consumer Department and they told me they didn't know if they had a 7 years forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The credit card in question has a monthly billing period that ends on the XXXX of each month. For the bill ending XX/XX/2021, I underpaid the bill by XXXX due to my miscalculation. I always try to pay all credit card bills for purchased made up to the end of the month in which the billing period ends, and in this case, my spreadsheet had a summation error. 
The next billing period, ending XX/XX/2021, stated a New Balance total of XXXX. This total included the Previous Balance of the XX/XX/XXXX billing, the payment made for the bill ending XX/XX/XXXX, merchandize Purchases incurred from XX/XX/XXXX - XX/XX/2021, return credits of XXXX during that same period, and an interest charge of XXXX because of the unpaid balance from the XX/XX/2021 billing. I paid {$1800.00} against this bill on XX/XX/2021. I assumed that my payment of {$1800.00}, an overpayment to the New Balance of XXXX, would cover all obligations due Bank of America. After contacting their Customer Service, I found I was wrong. 
Interest continued to accrue until my {$1800.00} payment was posted on XX/XX/2021 Return credits of XXXX during that period were not applied against the underpayment amount from the last period The next billing period ending XX/XX/2021, has a New Balance total of XXXX. This includes the Previous Balance from the XX/XX/XXXX billing, my payment of XXXX, merchandize charges incurred from XX/XX/XXXX to XX/XX/2021, return credits of XXXX for that same period, and an Interest Charge of XXXX. This interest charge was calculated for the period XX/XX/2021 through XX/XX/2021, the date of last month 's billing period payment. 
Thus, the total interest charge for the XXXX underpayment I made for the period ending XX/XX/2021 incurred {$27.00} in interest charges by XX/XX/2021. $ XXXX days of accruing interest = {$0.00} interest charges per day charged to my credit card account. If I never paid enough against my account to eliminate the {$150.00} underpayment amount, or some portion thereof, by the end of one year I would have paid {$0.00} X 365 days = {$190.00} on a principle of {$150.00}. I declare four issues : 1. On no statement was it stated what discrete amount would incur how much interest charge per day unless paid off by a stated date.

2.. Merchandize return amounts do not reduce underpayment amounts for credit card purchases even if the merchandize return is done after the day of purchase.

3. This seems to be an advantageous non-transparency about interest charge liability to the consumer 4. The interest itself constitutes an unfair financial burden to the consumer.

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 2022-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I rented a car from XXXX in XXXX from XX/XX/XXXX to XXXX, 2021. I charged it to my Capital One credit card, and waived the XXXX collision damage waiver charges on the rental contract, in accordance with the XXXX card benefit that Capital One offers. On returning the car as per my reservation, the attendant noted a tiny paint chip on the front fender, and insisted that we file a damage report ; I resisted, since I had not even noticed the " damage '', and there were other dings recorded on departure documents : this was not a new, pristine vehicle. The attendant assured me that the report was only a " hold '' on my credit card ( for XXXX euros ), and actual charge would be adjusted once the " damage '' was assessed. XXXX, however, immediately placed a charge on my account for the full amount : XXXX US dollars. I disputed this charge with Cap One as soon as I saw it, and it was removed. I was told to wait for correspondence and instructions on how to submit my documentation ; thirty days elapsed, and the charge was reinstated. My correspondence with XXXX produced a bogus repair invoice. I again contacted Cap One and got a link to upload documentation, which I did. XXXX XXXX, the charge appeared again : Cap One said too much time had passed. I then filed a claim with the XXXX benefit insurance to cover the collision damage waiver : their response was " no coverage in XXXX or XXXX ''. While XXXX is largely to blame for the extortionate repair claim, Cap One has reneged on their promise of customer assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I paid XXXX XXXX Solutions the amount of {$240.00} ; a settlement for a charged-off XXXX account XXXX XXXX of XXXX. The XXXX account is still reflecting a balance on my credit reports which is a violation of the FCRA. I disputed the account with Experian who only updated the balance to reflect the payment instead of removing the " outstanding balance. '' Per the FCRA the payment history can still be reported but a balance can not since I no longer owe XXXX ; I then owed Radius Global Solutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MACYS/ CITIBANK is a charge card that is currently a closed/ charged off account but it is still reporting credit utilization against my credit. The credit limit was {$600.00} but they are reporting {$880.00}. 
My understanding is that if its a charged off account and its an uncollectible debt then why or how is it still reporting as if I am still using this card. 
I was also told by the debt collection agency MACYS/ CITIBANK that the debt has passed statue of limitation. So, Ive been wondering why cant they remove this from my credit?

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 2016-11-18
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had a loan modification done with Nationstar Mortgage to lower our payments, change to a fixed rate and avoid a foreclosure. But in the long run our payments went up and our mortgage was extended 10 years. Also, I did not receive a copy of the modification.

Company response to consumer: Closed
Consumer complaint received 2016-11-17
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2016, my home was flooded in XXXX XXXX, LA. Initially, I received an advance from my insurance company. It took 5 weeks for Nationstar to release the advance after I had to upload receipts in regards to the money I had already spent eventhough my insurance adjuster had written a detailed letter stating that the money was for cleanup and demolition. I complied with Nationstar. 
On to my final payment from my insurance company, I received confirmation after nearly 90 days that my payment was in route. I immediately uploaded all receipts and invoices then contacted Nationstar. At that point they requested proof my adjuster was authorized to do the claim from my insurance company, they have refused to send me a hold harmless and intent to self-contract ( which is ok by LA law ), they have not accepted documents for no valid reason that I have had to re-upload. I have requested an inspection on XXXX/XXXX/2016 for 50 % completion, which I have paid for all repairs up to this point, just to get my house completed. I received a call today and the inspector is unable to get here until XXXX/XXXX/2016 at XXXX. This is unacceptable. I just want to finish my re-build. I 'm not asking for all of the money, however, I would love to have it all. I 'm just asking for a portion of it so that I can finish the rebuild of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Conn's, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my Wife and I walked into a XXXX  XXXX store and my Wife made a purchase for a couch set that they wouldn't not deliver to us and didn't not keep in stock at the store location. We drove away from the store and decided we could not wait a week for new couches. My Wife called the store to cancel the purchase, since we had not received any products from this store, we thought this would be simple. The store refused to cancel the purchase and our bank refused to reclaim the money. Both parties said we had XXXX XXXX back to the store and present the card we used to make the purchase. Problem, we live over XXXX miles from the store. The store said it would cost {$300.00} to deliver a couch to our location, but the store won't pay XXXX {$300.00} to make that same trip to cancel the purchase. We have received no products from this store, and they are keeping $ XXXX of our money for refusing XXXX XXXX over XXXX miles to come back. There are no laws requiring us to force XXXX XXXX and return to the store for a refund. We have no products from this store, and we want our money back! XXXX. You can't keep money that's not yours! And I'm not driving that distance to come back to a store that I now hate. I simply don't have to. Give the money back, or I lawyer up. Last chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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 response to consumer: Closed with explanation