BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 called Capital One about my restrict credit card balance. My balance on this credit card is {$330.00}. XXXX. I had made a payment of {$25.00} on XX/XX/XXXX which posted on XX/XX/XXXX. I only made the {$25.00} payment because I had called back in XXXX of XXXX to get on a COVID relief payment arrangement that was set up for {$25.00} payments but was not aware that Capital One was reporting on my credit report 4 late payments because I was not meeting the original minimum payment agreement that was established. The representative did not explain this to me at that time. I spoke with a Senior Account XXXX ID : XXXX by the name of XXXX she explain to me that my account was {$38.00} past due and 25 days late which did not make any sense to me. When on the mobile application there system is telling me I owe {$88.00}. Then capital one charges me late fees for the months of XXXX thru XXXX. When I am supposed to be on a Covid relief payment agreement. I am not trying to get out of my obligations to paying on this card and I do not want my account to go to collections but I have gotten no where with the customer services representative and the senior account manager in asking for some kind of relief to pay off this card because I am struggling during this time which the majority of Americans are. I really feel like Capital One does not care to have my business or to continue our business relationship at this point. This consumer is determine to pay all financial obligations and to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint because I am having trouble resolving as issue on my Equifax credit report. I keep disputing the information with all the evidence and it still has not been fixed. I am disputing a XXXX XXXX account which is listed on my account as past due 180 days in XX/XX/XXXX. This is a student loan account that is now serviced by XXXX, this is a federally owned student loan. They keep telling me that the company has verified the information as accurate. This company is no longer in operation and the contract information listed for them is inoperable. They have a number listed XXXX, this number doesnt work. This loan was transferred to XXXX in XXXX and has been in good standing since. Also student loans have been on a payment pause since XXXX due to Covid do there is no way that I can be 180 days past due because they are still not in repayment. I have gotten a letter from XXXX stating that the loan is in good standing and that they are not in repayment but this still is not enough. Equifax is the only company reporting this account and they refuse to adjust or remove it. I need help to get this resolved I have disputed this about 5 times with Equifax and they are stil not complaining a sufficient investigation into the matter. I will attach all supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I want to open a new account at Bank of America, but was unable to do so because my XXXX credit report was frozen. I contacted XXXX, and received a letter saying that my credit report was unfrozen. I just checked today, and their website also says my credit report was unfrozen. But when I went back to the bank today, they couldn't open my account, because their computer says my XXXX credit report is frozen. 

I don't know whether the problem is with XXXX or with Bank of America, but I am at my wit 's end. 

Please help me resolve this problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CITIBANK, N.A.
State: OK
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 the XXXX statement I had XXXX ( ish ) dollars of charges I did not make. I have refused to pay and have contested them. I stopped autopay and they still tried the next month to debit by account! UNAUTHORIZED!! I will pay my what I charged but not the ones I did not. They have threatened me through email. Citibank is the card.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: KS
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:
There is a few different situations that i've made multiple complaints about. The first being the reporting agencies are reporting false information and using my info improperly. I believe ive been a victim of fraud or identity theft because most of the inquiries i don't recognize. Ive never applied or given authorization for those companies to use my credit. Also the car dealership that i went to said they would only run my report through 1 lender and i check my credit and i have all of these inquiries which are not authorized.

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The credit bureaus are govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give the credit bureaus written permission to furnish these accounts.

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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 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 item 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 non-monetary relief
Consumer complaint received 2023-01-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This complaint is against Best Buy Credit Services- I have a credit card for Best Buy that is issued by Citi Bank. I was a victim of fraud in XXXX of 2021 and I asked my card to be closed and issued a new one. Before I got the replacement card, another fraudulent purchased was made with it. I called Citi Bank to close the account all together. They assured me that it was closed. 

I opened a brand new account for a Best Buy Credit card to not have the same issue. 

I just received notice of a late fee on the account that was closed due to a purchase that I made at Best Buy last XXXX. The account that was supposed to be closed never was and the purchase was charged to the closed account versus the new account. 

We were just hit with a late fee for the account that was supposed to be closed. 

We just spent an hour arguing with Citi bank about this. They admitted that the account was supposed to be closed. The rep ( XXXX XXXX tried to close the account and wasn't able to do so. XXXX 's demeanor was one to refuse to help or listen to our issues, as dismissive as someone can be. He was obviously just reading a script, which had the purpose to frustrate and not fix their error. Citi Bank is making impossible to close this account after multiple attempts. This is just like the fraud scheme that XXXX XXXX had for opening new accounts and not closing accounts for their clients. 

I was not able to close the account yet again. At this point I don't know what to do as I do not trust them to close my account. If they're doing this to me, they must be doing it to countless other victims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX I opened a Priority Checking and Savings account using an online promotional link with CitiBank. Citibank refuses to pay the promotional bonus. They claim the account was opened without the promotion. This is simply nonsense as I have a printed copy of the online promotion and a confirmation email. 

The net of the promotion was that I had to open the checking and savings accounts then fund and maintain {$50000.00} in the combined accounts for 60 calendar days. Once completed my account was to be credited with a {$700.00} bonus within 90 calendar days. I funded the combined accounts on XXXX with {$52000.00}. This action more than met the funding requirement. As of this date I'm STILL maintaining that funding level. At no time did the funding level drop below the minimum {$50000.00} requirement. According to the terms of the promotion I should have been credited the {$700.00} bonus on or about XXXX. 

On XXXX I did an online chat with XXXX at Citibank. He CONFIRMED that I met the requirements of the promotion and that I should just wait another week or so for payment. The payment never came ... 

On XXXX I called Citibank .... After 6 attempts to speak with a human and having the call dropped I finally was able to get through to XXXX. He would not confirm or deny the promotional bonus but agreed to open a complaint. I received confirmation number XXXX On or about XXXX I received an email notifying me that I had correspondence available online. I logged into the Priority account and found a letter denying the bonus and claiming that the account was opened WITHOUT the promotion. The letter further indicated that if I disagreed with the outcome to fax additional information or other proof to XXXX. I PROMPTLY did exactly that .... 

Its now XXXX and I've received no further communication from Citibank. I believe at this point that the bank is just ignoring me and hopeful Ill just go away. I believe they have committed a fraud by denying me this promotional bonus money. I am hopeful that you can assist. I have significant paper documentation of all of this history and will be happy to get copies to you if needed. 
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 monetary relief
Consumer complaint received 2021-02-17
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband, XXXX XXXX XXXX. LOAN NUMBERXXXX, XXXX XXXX XXXX XXXX  XXXX, Fla. XXXX has passed away on XX/XX/XXXX. He was 100 % military XXXX and had a VA mortgage. I was left with no back up or spouses survival money because we were only married seven months even though we were together 10 years. All of the mortgage payments were paid for his VA military XXXX benefits. The check stopped arriving immediately. All I have is my Social Security which is after {$900.00} a month. I want to try to sell the house and and be able to put it on forbearance. My name is XXXX. 
Do you think you can help me I have been trying all day on the phone and have gotten in touch with absolutely nobody.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to unfreeze my credit with Equifax so that my student loan can be processed. They have been unable to verify my identity online, over the phone and through their verification services. I have sent in documents to them that they said would process within one hour of arrival and they still have not logged them into their data-base despite having USPS confirmation of their arrival. I can not receive my student loans and get qualified for my apartment because of this and there has been nothing they are willing to do to help. I have done every single verification they have asked of me, I have spoken to over 20 Equifax employees. Sometimes they say they can't even find my information and I have to hang up and try again with a new person who will find my account info as it is clearly in the system. This is causing a significant impact on my life and my financial situation. It this freeze does not get lifted imminently, it will cause serious and irreparable damage to my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: SYNCHRONY FINANCIAL
State: AZ
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:
I purchased a water heater from Loews. It had a 5 year warranty attached and was also supposed to have an L attached to it to cover labor. The water heater started leaking and when I called the warranty department at Loews they did not reply for 2 weeks and water was running in the home. Added problem was that the amount tendered did not cover the replacement. I went to a Loews store in Arizona and Manager XXXX XXXX stayed on the phone for and hour straightening out this unfair treatment. I thought everything was in order until I called The XXXX XXXX XXXX and they don't have any one to install the Water Heater.I had paid for 2 years thinking that I had coverage. With my out of pocket payment for installation I am out XXXX dollars Meaning that the coverage left me with a deficit.Hours spent with a tenant without a Water Heater.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The Credit Union 's information : SchoolsFirst Federal Credit Union - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX On XX/XX/22, I contacted SchoolsFirst Credit Union regarding unauthorized transactions totaling {$5700.00} of over 20 transactions of a few hundred from XXXX and appealed for a fraud claim. 

On XX/XX/22, I was contacted by XXXX from the fraud department and was asked questions if I was involved in an online scam where I had given away my information, but I told her I was not involved in anything XXXX. I told her I lost my wallet at work before, but that it happened over 1-2 years ago and the charges just came recently from XXXX which I had never used. I was then told I would receive provisional credit in the meantime as the investigation was ongoing. 

On XX/XX/22, I had to contact them again because they haven't replied back in over 10 business days regarding my fraud claim either by phone, email, or physical letter. I was told the fraud claim was denied on the basis that I logged into my online checking account and saw the transactions, but did not report them in a timely manner. 

However, when I pressed them if they had received contact or received any information with the XXXX company, they told me that the process takes time and they had not received anything regarding the unauthorized transactions that went through. 

I believe this Credit Union is under violation of Regulation E as they were pressing me in the interview about my negligence, but I did not do anything stated under Regulation E. 12 CFR 1005.6 ; Comment 6 ( b ) -2. I told them several times they were unauthorized online transactions, but they had closed my claim on the basis of not reporting in a timely manner and for having logged in to my account even though my account is protected and I am signed up for fraud alerts ( which all of these transactions were never flagged as being suspicious ). 

They did not give a reasonable investigation and closed the case prematurely having never worked with the company to solve the issues and also did not formally update me either email or physical letter. Provisional credit was also denied as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: NV
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 XXXXXXXX, 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 2021-02-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX I notice a charge on my Slate Chase credit card I didn't make or charge to XXXX and 4 telephones I didn't purchase. Than I received mail from XXXX about payment for service and usage that was not my name received with my address. I called Chase fraud department and talked to someone to resolve the problem with thief of my card and the wrong name on the service. they said they would look into it and get back with me soon. I notice they sent a message and a letter to me and said the party who purchased the phones had all my same info and that it was factual. This was after They advised me to destroy my credit card and they issued me a new one in the mail. They didn't remove the balance from the previous card and carried it to new card and said I need to pay it. And started receiving mail for the 4 phones and there service and stated billing me in someone else name but my address. I called XXXX to resolve that issue and they said they would resolve it but haven't heard from them also and still receive bills and chase card is billing late charges on my account in someone else name and wont resolve or research any legal facts and just gave up on me and said I owe. end of statement..They both said they will report my name and credit to all the credit companies because they are all to lazy to work with legal facts

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: CO
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/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my 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