BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
Company: Moneydart Global Services Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I transferred {$2800.00} through XXXX on XX/XX/XXXX and the dollar exchange rate against XXXX was {$1.00} = Rs XXXX. As per them money suppose to available in XXXX on XX/XX/XXXX but amount available in my XXXX bank account in XX/XX/XXXX with the exchange rate {$69.00}. 
When i complain then they told you selected indicative rate while transfer instead of Guaranteed rate ( fixed exchange rate ) but as i transferred several times through the same XXXX and i know very well how to transfer through XXXX. 
Clearly they are cheating to customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13
Company: DISCOVER BANK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX I went to make an online purchase from my Discover Credit Card. I have made purchases with this card through the year as I have needed it. However I had received a credit card limit increase having been with the company for a handful of years so i knew there was plenty of money on the card. I went to use the card in the morning to order a XXXX gift for my fiance when I notice the Discover card app telling me my account is not only maxed out but over drawn! I have never maxed out a credit card and I have certainly never over drawn. I started panicking as soon as i noticed and felt foolish that I hadn't noticed sooner. I'm just not use to this kind of thing happening but I call the credit card company as soon as i am aware of the issue. I spent probably over an hour on the phone providing any and all information and going through the entire list of charges. The card seems to have been used physically dispite me having the original card. And what's harder to understand is the credit card company has stated that the charges stopped on the alternate card after the credit report was made though they said the card would still remain active while i recvived a new card. I assumed the guy must have stopped using it once it maxed out. That's just my guess. 
I was under the impression that everything was taken care of after I made the necessary calls. And was given reassurance by a Discover Card representative. But I earlier received another call back from Discover and they are saying that since I have shopped at similar places in the small town XXXX area, that it appears illigitmate. The representative also claimed that fake credit cards do not actually exist and that they are just a popular idea on XXXX. I asked if there was any information at all that I could provide to help with their investigation and provided as many details that I could possibly remember following the dates of the charges. The representative refused any addition information and she insinuated I was lying. I immediately continued to take action with a police report. Police Report Case Tracking Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX {$12000.00} has violated my rights.

1

5 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 explanation
Consumer complaint received 2022-06-03
Company: BARCLAYS BANK DELAWARE
State: FL
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 am enrolled in a Barclay 's Credit Card promotional program called " Flight Cents '' under which all of my credit card purchases are rounded up to the next whole dollar and for the extra cost I earn travel miles with XXXX XXXX XXXX program. There is a business relationship between Barclays and XXXX XXXX XXXX XXXX XXXX XXXX. 

Every month I pay Barclays to be in the Flight Cents program. Since I enrolled, there have been several months where I am charged to be in the Flight Cents program but I don't get the miles I am supposed to get. I have to call Barclays and file a complaint to get it resolved. 

On my statement dated XX/XX/2022, I was charged {$27.00} for Flight Cents, but I did not get any miles. I should have received over XXXX miles. 

On XX/XX/2022, I filed a complaint about this issue with Barclays. My complaint number is XXXX. I have called several times about the status of the complaint and resolution and there is never any progress and nobody can give me a status update. At first they said it could take up to 30 days to resolved and now the representatives are telling me that it could take 60-90 days to resolve. 

I have been charged and have paid for a benefit that I have not received. If this is happening to me then I assume it is happening to other Barclays customers. Barclays is making a lot of money by fraudulently ripping off its customers. XXXX XXXX XXXX also be profiting off of the fraudulent charges.

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 2020-02-18
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have high credit scores, however Suntrust now known as Truist has denied a line of credit several times in the past. I have several accounts with this company. I applied for personal loan an was denied.I have waited for the official letter as for the reason denying the loan but never received it. I applied for a personal loan at two other companies and was accepted with no problem. This company appears to be having or showing a dislike or distrust and making or showing an unfair or biased decisions based on an what appears as discriminatory profiling. There is no reason I should ever be denied a line of credit from this company as i have banked with it for at least ten years. I have had issues with this company with apply a simple temporary credit to the me and forwards the dispute and notifies the merchant. The CFPB accepts cleverly or skillfully evasive responses from this company ; that it does not know who I am but will respond to me directly. Truist should be held accountable and made to respond to the CFPB and the CFPB should compel Truist to follow the regulations.

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 2022-08-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  Account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and 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 2023-04-18
Company: EQUIFAX, INC.
State: PA
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:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
I received an email today from Capital One stating they were closing my card account ( XXXX ) for inactivity. I called them stating I did not want the account closed. The rep checked and said there was nothing she could do. She stated this was a new program and couldn't do anything about it. I asked why I wasn't notified about this before they closed the account and did not receive an answer other than this is a new program ... and she's just answering the phone. I don't understand how the consumer is not notified ahead of time to stop this from happening. Instead all I get is an email stating this is happening, nothing you can do. I inquired how was I supposed to use the account when they had not sent out new cards and she looked and it stated the card had been returned but not other info was in the account. She verified the address and it was correct so I'm not sure what the deal was. This has a detrimental impact on me and I'm told there is nothing I can do, they can not undo what they've done. My credit rating will take a hit because of their actions closing this account. They've made no attempt to contact me thru email ( they obviously have it ) before they did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX # XXXX XXXX  # XXXX XXXX  # XXXX has violated my rights. 

15 U S C 1681 section 604. A States I have the right to privacy 15 U S C 1681 section 604. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U S C 1681 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years 15 U S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-12
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX of XXXX, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I disputed incorrect information contained in my credit report in a letter dated <Date> ( please see enclosed copy ). I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely response from your bureau. 
Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the XXXX  XXXX  your bureau has caused me. 
Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. 
I thank you for your kind attention to this matter and hope to receive my updated credit report soon.

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 2021-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : This complaint is about an inaccurate collections accounts on my XXXX and XXXX credit reports. I have contacted both Portfolio Recovery and XXXX  XXXX XXXX in the last 12-months I have contacted both companies multiple times regarding their inaccurate reporting, each time Ive received a response with a printout of a bill, stating the account was verified and meets FCRA. 
The XXXX XXXX account that these collection agencies allegedly verified as mine and both companies are reporting this derogatory account to the credit bureaus. Why is this alleged XXXX XXXX account NOT listed on ANY of my credit reportsONLY the collection account? 
FYI a printout of a bill or itemized document does not constitute verification. I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate and represents a very serious error in your reporting. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Portfolio Recovery Associates, LLC or XXXX XXXX XXXX the alleged amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an inquiries passed on that should be taken out or Block. Per FCRA you are expected to delete this inquiries.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: SC
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:
THERE ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/2018 I sent Santander a letter explaining that I fell on hard ship and ask them to lower my payments and forgive me for my late payments. They replied saying that's against their rules and regulations. The box value of the car is way less that what I purchased this car for and it's hard for me to try and get another car because Santander balance is too high and other dealers won't make a deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I hope this message finds you well. I am writing in response to recent allegations of fraudulent accounts [ XXXX XXXX and Capitol One ]. After a thorough investigation, I can confirm that I have no knowledge or involvement in such activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: CITIBANK, N.A.
State: AZ
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: Other problem getting your report or credit score

Complaint:
Citi credit has failed on multiple occasions to report my financials to the credit bureau. This is adversely affecting my ratings. According to Citi 's policy, a report should be made on the XXXX of every month or at least at the end of my billing cycle which is the XXXX of every month. On XX/XX/XXXX, I called citi to advise that my credit needed to be reported as soon as possible as I am working on a time sensitive issue. 

After seeing no changes, I called Citi on the XXXX to see if I had misunderstood anything in their policy. I was told that a report would be made by midnight. On the XXXX, after seeing no changes, I made a call to citi again on this matter. I do not believe I received a coherent explanation. 

It is XX/XX/XXXX, and my XXXX report from Citi is still reflecting an outdated report of XX/XX/XXXX. XXXX has told that they have not received anything from Citi. 

In these rapidly changing financial times were time is of the essence, I plead that credit institutions should be accountable for either their dereliction of duties or complacency. 

I hope that CFPB can do something about this.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-09-12
Company: General Motors Financial Company, Inc.
State: KY
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:
On XX/XX/2022 I sent a letter stating that GM Financial furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. I also, sent a notice to cease and desist all communication conveying of information regarding a debt directly or indirectly to any person through any medium. 
Re : Notice to Cease and Desist Account Number : XXXX Dear GM FINANCIAL, To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2022. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation

Company response to consumer: Closed with explanation