BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
On XX/XX/2020 I activated my Capitol One Walmart credit card and I made a {$200.00} payment on the account so I could make XXXX shopping. They automatically reported my card as fraud/stolen. I called XX/XX/XXXX I spent over 1 hour waiting to be connected and to solve this issue. First attempt they sent me a code via text. I sent them the code and supposed to unlock it. Never happened. XX/XX/XXXX I called back i sent pictures of my drivers license they still refused to unlock my account. About a couple days later I tried now they wanted proof of income banking information pictures of my social security card. I believe they tried to scam me and or are scamming Americans bc they sent our calls to XXXX. Capitol of the scamming world. I want my account resolved closed or opened. I pay my bill every month. This has to be against the law somehow someway PLEASE PLEASE PLEASE help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: BARCLAYS BANK DELAWARE
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
First off .... I am A-B-S-O-L-U-T-L-E-Y DISGUSTED with Barclay offshore support that further exacerbated problems when representatives that fail to grasp the English language. 
XXXX I had 2 transactions decline on XXXX for {$50.00} ... I log into my account and see I have a balance of {$290.00} of a {$500.00} credit line.. Called about XXXX XXXX to get explanation. 

The 1st level person stated there was a {$110.00} charge to XXXX, but I do not see in in my account, neither posted nor pending. Several issues turn up with her ability to address this matter ... But nonetheless, I see an error in a XXXX charge and ask to dispute.. The lady transfers me to ANOTHER person that does not fully grasp the English language. 

Long story short, I got so frustrated with this language barrier ... I cussed her out and hung up the phone ... DISGUSTED!!! 

My XXXX  charge should have been {$55.00} as shown in previous months..??

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 2023-03-03
Company: SANTANDER HOLDINGS USA, INC.
State: RI
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, at about XXXX, my partner had her wallet stolen out of her car in XXXX XXXX XXXX RI, containing her driver 's license and Santander debit card. We are co-owners of a checking and savings account at Santander. At around XXXX, she canceled the Santander debit card. At around XXXX, she filed a police report with the XXXX XXXX police dept. 

On XX/XX/XXXX, 2 fraudulent checks totaling {$5000.00} were cashed at a local branch of the bank without our knowledge, using the stolen driver 's license and canceled debit card. The checks bounced on XX/XX/XXXX, and our savings account was debited {$5000.00} ( roughly the total balance ) On XX/XX/XXXX, I discovered the fraud and contacted Santander at XXXX XXXX. They opened a fraud claim and stated they would close the savings account once it was resolved. 

On XX/XX/XXXX, my partner called Santander to learn more about the incident and was told they could not provide any other information. 

On XX/XX/XXXX, my partner was contacted by the case investigator at Santander, and was told that he had reviewed surveillance video from the branch that cashed the check, and that the video was not of her. He assured her that our money would be refunded. 

On XX/XX/XXXX, my partner emailed the investigator to learn what personal information the perpetrator had that allowed them to access our savings, beyond a driver 's license. No response. 

Sometime between XX/XX/XXXX and XXXX, my partner called again to learn more about the status of the case and ( again ) what personal information was used to cash the checks. She was told Santander couldn't give any more information. 

On XX/XX/XXXX, we received a notice by mail that the investigation was completed, and Santander had decided that " the video confirms that you were present in the branch '' and that they are not at fault ( obviously this is incorrect ) On XX/XX/XXXX, I called Santander 's Fraud department and was told that it should not have been possible for somebody to cash a check using only a stolen drivers license, and that since the debit card was already canceled, it should not have possible for the fraud to have occurred in the first place. " That was somebody falling down on the job. '' When requested basic details about the incidence ( time, branch location, what personal identification was used to cash the checks ), they refused, and said they could not provide us the video evidence they used to make the determination. They provided no other information about the case, and it has remained closed. 

Santander to date has not refunded the stolen {$5000.00} to our savings account.

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 2023-01-31
Company: EQUIFAX, INC.
State: MO
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 have attach proof my account statuses for XXXX and XXXX that were never late. XXXX XXXX was paid off result in an overpayment. XXXX XXXX  listed on reports with a balance of {$31000.00} only show a remaining balance of {$1100.00}. XXXX XXXX was resolved after negotiation regarding restricted status. 

I am letting you know you did not have my written consent per 15 U.S. Code 1681b - Permissible purposes of consumer reports. You also need my written consent to report anything outside permissible purpose and by law must send required disclosures before you can report anything to my file. Nothing that is information can report to my file without permission. 15 U.S. Code 1692g - Validation of debts, I am the only one that can validate any of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Account ending in XXXX needs to be deleted. 

I have the right to an accurate credit report. This XXXX Account is all wrong ending in XXXX. 

1 ) Date Of last Activity is all wrong between all 3 bureaus. 
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How can all 3 Credit Bureaus have a Different XXXX, Please Delete This account. 

2 ) Closed Date is all wrong between all 3 bureaus. 
XXXX XXXX Closed Date is XXXX However still reported the account was late until XXXX which is a violation. 
Experian does not show a closed date but shows the account as late until XXXX XXXX XXXX not show a close date as well but shows the account was late until XXXX? 
This is all incorrect and the account needs to be deleted. 

3 ) The account was opened by a XXXX XXXX, on some it just says XXXX XXXX. 
This is not me. My name is XXXX XXXX. Delete this discover account ending in XXXX. 

Also my personal information is wrong again, prob due to this account that does not belong to me. This name XXXX XXXX has been deleted several times and keeps reappearing. XXXX XXXX is not my name. My Name is XXXX XXXX. 

* XXXX Account use to end in XXXX for Fraud. XXXX reopened the same account under a different number ending in XXXX without even notifying me within 5 days by law. This is illegal and the new account is also fraudulent. The account is wrong, the information in the account is wrong, the account name is wrong. Delete XXXX account ending in XXXX for it is hurting my credit greatly and holding my family and I from getting new credit and being able to move into a home. 

thank you, I have attached proof my name is XXXX XXXX and not 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 2023-06-19
Company: EQUIFAX, INC.
State: MI
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 XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have asked for validation and verification on several occasions and AFNI have not been able to validate and verify pursuant to XXXX, and XXXX. The original creditor is XXXX. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX  XXXX Charge Off Account XXXX. XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX  XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XXXX  XX/XX/XXXX Inquiries XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries I believe that the above items are inaccurate and/or incomplete. 

Regarding the Late Payment Account from XXXX  XXXX, I have never been late on a payment and I have documentation to support this. Therefore, I believe that this item is an error and should be removed from my credit report. 

Regarding the Charge Off Account from XXXX XXXX, I do not have any record of such an account with this institution. Therefore, I believe that this item is an error and should be removed from my credit report. 

Regarding the inquiries from XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX, I do not recall authorizing these companies to pull my credit report. Therefore, I believe that these inquiries are unauthorized and should be removed from my credit report. 

I respectfully request that you investigate these items and make any necessary corrections or deletions to my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: CITIBANK, N.A.
State: VT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I signed a contract to purchase a heat pump from XXXX XXXX. XXXX XXXX had referred me to XXXX XXXX XXXX who came out and did the quote and the subsequent installation. After rebates, the total amount came to {$14000.00}. Part of the contract was a 24 month no interest credit card from XXXX XXXX. I applied for the card using the on-line website that the individual who did the quote had on his laptop. My first bill had a statement date of XX/XX/XXXX, making my last payment statement date XX/XX/XXXX. I set up an automatic payment of {$620.00} per month, which would equal {$15000.00} over the 24 months. Once set up, I did not look at any on-line statements or otherwise check the account. A few weeks ago, I went into my on-line account with HDCS and much to my surprise, I saw a balance of {$3100.00}. I was expecting something less than {$700.00}. After researching back my account, it appears that XXXX only gave me 12 months free interest. On the statement of XX/XX/XXXX, all back interest, totally {$1800.00} was applied and then monthly interest from then on. 

I called XXXX on XX/XX/XXXX and asked what was going on. They would not reverse all the interest charges, despite them breaking my contract, because they said too much time had passed since XX/XX/XXXX. They did reverse three months of interest and I specifically asked them to make a note on my file that I was not satisfied with this result. 

Unfortunately, I never received a paper copy of my initial application, I assume because it was done on-line, but I distinctly remember the quoter pointing out on the form where the 24 month interest free was stated. HDCS could not provide me with a copy of my electronic application when I call. I also reached out to XXXX XXXX XXXX and XXXX XXXX and neither could provide me with a copy. This seems very strange to me. 

I believe HDCS did not process my original application correctly and entered 12 months rather than 24 months. You can see by my monthly payments that I was expecting 24 months. If I knew it was only been 12 months, then I would have changed my payment to {$1200.00} and been done before any interest was charged. 

I did reach out to the Vermont Attorney Generals office and they referred me to you. I hope you will have better luck getting the interest reversed. I have attached a file that shows the specific transactions.

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 2023-01-05
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Sir or Madam, It is with great spirits for a prosperous 2023 that I hope this email finds you. For me it is very exciting to be a Citibank customer. Aside from a checking and savings account, I also opened a secured credit card. 

The Citi app provides, as a courtesy, an update report on ones XXXX score. As I closed a XXXX XXXX credit card recently, my score experienced an enormous drop last month. 

On a greater level, I opened these accounts to develop a stronger relationship with Citibank. The app identifies XXXX as being the source for the score. However, when reviewing my consumer file, with this agency, my Citibank credit card is not reporting. 

Credit reports sometimes contain information that is inaccurate. However, a scenario in which missing positive information has now presented itself. And it is to this agency that subsequent scoring models are used by Citi in considering future offers. 

After reaching out to XXXX and spending quite some time on hold, and escalating this to a supervisor, they delegated this back to the lender ; in this case Citibank. 


The mission of Citibank has been to engage in good business practices that protect consumers, and their access to credit. Can you kindly look into this and please see to it that the account is properly reported, along with prior months, along with future ones as well, and provide an update? 

Thank you for your assistance in this matter. 


Sincerely, 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 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
in XX/XX/2018 I noticed an item pop up on my Transunion credit report for XXXX XXXX XXXX, i called them on XX/XX/18 and spoke with XXXX who I informed this loan was fraud and that I did not open this account. He told me they sold this now debt to XXXX XXXX XXXX XXXX and said that they no longer have any documents with information about this loan. I can not get ahold of anybody at XXXX XXXX. 

On XX/XX/18 I sent a certified document to Transunion disputing this item on my credit report. I explained to them that this was fraud and placed a fraud alert on all 3 bureaus for this. I explained to them that unless they verified and validated this item per the FCRA that they can not list this on my credit report and would be breaking the law. 

On XX/XX/18 at XXXX I called Transunion to discuss the letter they sent me in the mail in response to my letter i sent. The rep i spoke to said that Transunion " validated '' XXXX XXXX XXXX, I was transferred to a supervisor since the rep couldnt help me. I explained to the rep under the FCRA that they can not list any collections from a collection agency unless Transunion has physical documentation such as a signed contract. She admitted that they do not keep records of collection agencies alleged proof of debt and I told her then that is not legal to list any of this w/o this documentation. I also informed her that this is fraud and my identity has been stolen and so this should be removed just based on that. She informed me that XXXX is still pending based on the docs I sent to them. Estimated completion is not XXXX which what the letter they sent me states, she said estimated completion is XX/XX/XXXX. 

I sent Transunion screenshots from the Oregon DFR which regulates licenses for collection agencies and companies who conduct loans. XXXX XXXX XXXX do not have a license to conduct business in Oregon. Even after all of this proof I sent Transunion that this is fraudulent on several different levels, they still came back and said this item is verified and will not remove it from my credit report. I tried disputing it again on XX/XX/18 and was told that Transunion does not have the ability to remove items and that the company or the collection agency has to inform the credit reporting agencies to delete an item. This is false information and not true, they absolutely have the ability to delete fraudulent and inaccurate items from anyone 's credit report. I filed complaints separately for XXXX XXXX XXXX on the Oregon DFR, the CFPB and filed an identity theft report with the FTC.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2018-09-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2016, we locked in a rate of 3.375 % and a lender credit of {$1100.00} from Wells Fargo. They said there should be " no problem closing on time. '' On XX/XX/XXXX, we were told that the person in charge of our case at the bank believed the appraisal had been performed. We did not get a copy of the appraisal until XX/XX/XXXX, close to our closing deadline. The appraisal was low and of the WRONG HOUSE. Our closing date was supposed to be XX/XX/XXXX, but Wells Fargo caused us to miss it by repeatedly requesting and losing the same information and documents and appraising the WRONG HOUSE. 

They also lowered the amount of the loan from {$510000.00} to {$470000.00} because of the erroneous appraisal, and informed us that once an appraisal challenge was lodged, all of our locked-in terms were null and void. The seller had a back-up offer and would not wait, so we had to borrow the difference from a relative and close. They bumped the interest rate to 3.5 % and withdrew the lender credit of {$1100.00}, even though we had opened an account at a Wells Fargo Bank for direct withdrawals as they required. 

We closed on XX/XX/2016 under the new terms rather than lose the house. 

Wells Fargo then began a review of the case at our request. Again, they asked us to send endless duplicated documents and kept assuring us that we would be given a fair decision. After months and months of this, they decided to do nothing to remedy the problem. 

We have suffered financial losses and frustration. I have to believe this is a pattern with Wells Fargo to promise the world and then make sure customers lose on technicalities of the bank 's creation.

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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX, Account # XXXX, and XXXX XXXX XXXX XXXX XXXX Account # 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