BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: OH
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/2020 I sent a letter regarding inaccurate and unknown 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 taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-01-03
Company: SYNCHRONY FINANCIAL
State: TX
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:
Dear CEO, CFPB, Synchrony Bank approved my application for a credit card limit of {$6400.00} with Retailer Rooms To Go that is associated with the credit card, with a Purchase XXXX : of XXXX  % on account ending in # XXXX, but have only been reporting to the Credit Bureau a different credit limit of {$5000.00} with the same finance charges. 

After reviewing my account online through their online website and reaching out to the online customer service assistance in regards to the XXXX changes that were made without my knowledge and changed in regards to acknowledging my reasonable accommodations and not reporting accurate billing information and if they could explain and send me disclosures of their policy & procedures because of my XXXX XXXX XXXX that I needed to speak with someone who could help me understand why this happened, they told me that they had the right to lower my credit limit without consulting with me and sending me a disclosure of any new terms, future terms and conditions and/or agreements contract regarding my credit card and the finance charges and XXXX percentage oXXXX XXXX XXXX. I am being charged late fees of {$41.00} dollars, with a monthly bill of {$260.00} the day of my due dates and not being allowed to use my reasonable accommodations while still being charged late fees for my up coming bill before it is even due. I have made all my payments on time for 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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed these debts and the company has failed to validate these debts with the information that I have requested. They have also broken laws under the FCRA & FDCPA. I sent the company an invoice for the violations that they have broken as well as a affidavit of truth that has not been responded to correctly. I am now demanding all negative information be removed accordingly. I am attaching the documents in this file Company has violated my rights as a consumer/natural person under FDCPA law. I do not assume this alleged debt and I have made this known to them on multiple occasions. I am not giving them permission to furnish this debt on my consumer credit file. I have found this company violating my rights as a consumer. On many occasions I have giving this company 30 days to respond with the requested information and they have failed. I request my payment of {$19000.00} be redirected to me. 

pursuant to 1692 ( g ) ( a ) -notice of debt I had never received a letter notifying me of the name and address of the original creditor nor that if any portion of the debt is not disputed that it would be assumed which is in violation of FDCPA 1692 ( g ) ( b ) -disputed debts- I have notified in writing that all portions of this debt is disputed.

As per 1692 ( g ) ( c ) -The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by 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 2023-01-03
Company: Experian Information Solutions Inc.
State: MI
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 DEPT OF ED XX/XX/2022

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 2019-02-12
Company: JPMORGAN CHASE & CO.
State: CT
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 initially in writing to Chase Bank in late XXXX about a charge that was unauthorized on XXXX from XXXX in the amount of {$790.00} after many letters and complaints they still did not do anything yet in XXXX they closed my original account and reissued a new account and sent me a letter indicating they moved this charge to fraud and it would be immediately credited however they have failed to do that and almost 8 months later it is still on my statement and I'm getting charged interest. Even after this I still use my card and PAY for my charges and have never been late however I will not pay for a charge I didn't make and refuse and Chase refuses to do anything even after many attempts and letters they write stating so. I feel this is last step before I begin a case in XXXX XXXX XXXX XXXX against them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This formal dispute letter is written in connection with violations committed by both the XXXX and Experian credit bureaus. Both have violated my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter " FCRA '' ) which prohibits Consumer Reporting Agencies ( " CRA '' ) from engaging in deceptive and unfair practices. 

WHAT YOUR COMPANY NEEDS TO KNOW 1. Please be aware that I dispute the information ( U.S. Bankruptcy Court item ( s ) ) contained in my credit/consumer file.

2. I carefully investigated this incident, the U.S Bankruptcy Court never provided any information to the credit bureaus, nor do they ever validate and/or confirm public records. The attached letter states these facts unequivocally.

3. The credit bureaus have reported derogatory information to my consumer/credit for 7 years since XXXX, and have caused me much difficulty in attaining fair interest rates4. If the CRAs can not validate the information with the information furnisher, CRA must remove said information from the consumer file. '' 4. According to the FCRA, I have the right to an accurate consumer/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 2019-06-12
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a mail piece offering to open a Citi checking account with qualifying actions to received XXXX Thank You points. Despite completing all qualifying actions I was unable to use the points. 
Listing below the events in chronicle order : 1. Opened an account on XX/XX/XXXX 2. All required actions were completed on XX/XX/XXXX ( this has been confirmed by numerous Citi representatives ). 
3. On XX/XX/XXXX supposedly XXXX Thank you points were credited to my Thank You account. 
I didnt receive any email notification nor did I ever see those points on my online account, even when trying to log in directly to XXXX. 
4. On XX/XX/XXXX I contacted the Citi Customer service asking about missing points, # XXXX. They suggested opening a case so this can be investigated. Customer representative informed me itll take 3-5 days to get a response. 
5. When 5 days expired I called the customer service again, they asked to wait up to 21 days for a resolution due to Citi having too many inquiries at the moment.

6. On XX/XX/XXXX I received a resolution on my request # XXXX stating that XXXX Thank You points were credited to my account on XX/XX/XXXX. 
7. On XX/XX/XXXX called customer service representative to help me see/use the points since they were still not visible on my account. They claimed that points expired on XX/XX/XXXX ( 60 days after they have been credited ) 8. Opened another dispute XXXX and on XX/XX/XXXX got a response that they cant do anything. 


While I understand that points were set to expire in 60 day, first time when I called Citi I as within the terms and points were supposed to be active. The actions taken by Citi to investigate the case made points to hit the 60 days expiration term. 
I was never given an opportunity to use the points, despite completing all requirements to get 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 non-monetary relief
Consumer complaint received 2021-03-12
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased an airline ticket with XXXX using my American Express Credit card for the amount of {$130.00}. Due to the COVID-19 regulation that was imposed in XXXX at the last minute, I had to cancel my ticket and requested a refund from XXXX. XXXX agreed to refund the amount, however, I was offered a credit for me to use in future flights. I then called XXXX and explicitly ask them to refund the amount, that I do not accept a credit however they refused to do so. I told XXXX that based on their policy currently published on their website regarding XXXX XXXX waiver, all tickets bought after XX/XX/XXXX and voluntarily wanted to change had the option to request a refund, however, they refuse. I then contacted American Express to file a complaint, I provided them with the policy and the website for them to verify the " Flexible Travel Waiver '', XXXX : XXXX however Amex said that I am responsible for the charge because XXXX provided them with another policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21
Company: CITIBANK, N.A.
State: NH
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:
On XX/XX/XXXX I had a promotional balance end on my Citibank credit card. on XX/XX/XXXX I paid the minimum payment of {$350.00}. After I verified that the promotional rate had ended and that my balance had been moved to the standard purchase rate, I made a balance transfer of {$3100.00} with another card to pay off a portion of this balance that had just been moved to 18.99 %. This transfer cost {$120.00} and went through on XX/XX/XXXX. 
When I received my statement on XX/XX/XXXX I was upset because the transfer had gone to pay my flex loan, which was a 3 year loan that is a part of the balance on the credit card, at a rate of 10.99 %. I immediately called the company to straighten it out. Two weeks later I received a letter in the mail explaining how their payments are allocated, but what they described was not how they had applied my payment. I called the company again. This time I was told that I was in the right, and they would review it. After waiting some time I contacted the company on a chat feature they offered online. I explained my situation to which the bot I was dealing with sent back several nonsensical explanations which were of no use. Finally this evening I called again, as I had received a new statement which indicated that nothing was being done. Again I was told that the payment was not allocated properly, but that because it had already been processed on the flex loan there was no way to correct it. He said that it takes a couple of weeks to process when they move the balance to standard purchase, and I should have waited until I had gotten my statement before making the additional payment, although it is clear they were charging me interest during that time. He suggested that I take advantage of a balance transfer offer that I had on the card, and then use the money to pay back the higher interest portion of my balance. They still are charging me the 3 % fee on the roughly {$6500.00} transfer, over {$200.00}! I did agree to this transaction, as it seemed the only way to fix my problem. Prior to getting off of the phone the man said that he was happy that they could resolve my problem, to which I replied that they had solved my problem, that they had admittedly caused, completely at my expense, that the company had not stepped up to help me in any way, that what they had done was illegal, and that I was going to file a formal complaint. He seemed reluctant to let me go, but I don't believe he was in any position to offer me any help. I know this is small potatoes, but I estimate that it cost me a few hundred dollars in fees and interest, and the bank is profiting from it's own illegal action.

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 2019-02-12
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We are writing this letter to dispute a delinquent payment reported for XX/XX/2018 under our GM Financial account. 
Our account was set up for autopay and we were unaware that the autopay had an expiration date. 
According to customer service, the autopay ended XX/XX/2018 so our XX/XX/2018 payment was delinquent. 
We use autopay for many accounts and the autopay is usually continuous for the life of the loan/account. 
We explained to their customer service department that we didnt receive any notices that our autopay was going to be ending soon or that it needed to be renewed. They said that they dont provide these types of notifications because it is the customer who sets up the autopay. 
We also explained to their customer service department that we never received any phone calls that we were past due on any payments. They explained that the collections department tried to contact one of the numbers on file and was told not to call that number again. On further review of the loan application, it appears they reached out to my husbands HR department at work which he placed on the lease application to verify employment. They said that eventhough they didnt try to reach out to our cellphones, they are not required to even call us. The call they made to my husbands HR department was just a courtesy call. 
We would like to file a complaint against GM Financial as we do not feel GM Financial notified us appropriately before reporting a delinquency to the credit agencies. We feel that GM Financial should have either notified us that our autopay would be ending soon or that the autopay had ended. We also feel that GM financial should have called our cellphones not our HR department to reach us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has violated the FCRA by continuing to report unverified accounts. I have documentary evidence and their dispute results that show these accounts has not been verified but they are still reporting them and the FCRA states to verify the accounts or delete them and they have not deleted them but continue to report this false information. It is damaging my consumer report and reputation and if this problem isnt corrected immediately I will be moving forward with legal actions. Also disputes take longer than 30 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 explanation
Consumer complaint received 2022-10-09
Company: FIRST ADVANTAGE CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been turned down for several job opportunities due to incorrect public records and credit score reporting. Dates include XX/XX/XXXX, XX/XX/XXXX. These reports were out of pocket cost and were requested by and First Advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: BARCLAYS BANK DELAWARE
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:
Barclays and the " office of the President '' keep blowing me off, but they are going to get a lawsuit if this is not dealt with and completely resolved off my credit report by XX/XX/XXXX. 

To be crystal clear ***I NEED TO SEE A FULL YEAR OF CREDIT CARD STATEMENTS FOR XXXX OR I WILL BE FILING A LAWSUIT FOR FRAUD AND WILLFUL NEGLIGENCE. *** And do not dodge this request, XXXX, or ignore my phone calls or emails again, or this will escalate into a lawsuit and Barclays will lose. The fact that I've had to file consecutive complaints through the XXXX just to get through to them at all speaks volumes about the level of XXXXXXXX XXXX that is going on and they are going to pay for it. 

If more details are needed - see my previous 2 complaints as this is a systemic failure on every single level. XXXX is supposed to protect consumers and that is not what is happening. THIS IS NOT OK!!!

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 2021-09-21
Company: CITIBANK, N.A.
State: AL
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:
On XX/XX/2021 there was an attempt to open a CITIbank account in my name. I discovered this information on a recent credit report. I did not request or send any personal information to CITIbank. CITIbank did send a letter to me stating they could not process the request at this time without further information. I very much appreciate the letter. I do not know how this happened. There was also a fraud attempt regarding XXXX XXXX which has been resolved. Just to restate, I did not request a CITIbank account. 
Thank 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 non-monetary relief