BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX [ XXXX ] [ XXXX ] [ EQUIFAX ] To Whom It May Concern : I am writing to dispute an unauthorized credit inquiry on my credit report. The inquiry was made by [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ]. 
[ XXXX ] on [ XX/XX/XXXX ] [ XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on XXXX XX/XX/XXXX ] [ XXXX XXXX XXXX / XXXX XXXX XXXX [ XX/XX/XXXX ] I did not authorize this inquiry and believe it was made in error. 

I request that this inquiry be removed from my credit report as it is negatively impacting my credit score. I have attached a copy of my credit report. 

I am aware that under the Fair Credit Reporting Act, you have 30 days to investigate my dispute and respond with your findings. I request that you notify the furnisher of this inquiry and request that they remove it from my credit report as well. 

If you find that this inquiry was made in error, please remove it from my credit report immediately. Please provide me with a written response when the inquiry has been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citibank knowingly and willfully misapplied a payment I made to my credit card account. They applied the payment to a balance with a lower interest rate first before applying the payment to a balance with a higher interest rate. This is in complete violation of The Truth in Lending Act. When I asked that they correct their error, they denied my request. 

Here are the details : Per my XXXX statement, ( Exhibit A ), the account balance was divided between two balance transfer offers. One offer was for 0 % that expired XX/XX/XXXX and then went to the standard rate ( over 19 % ). The other balance was at 1.99 % until paid in full. 

On XX/XX/XXXX, the day AFTER the 0 % balance expired, I made a payment of {$4400.00} as shown on my XXXX statement ( Exhibit B ). Earlier in the billing cycle, I had already made the minimum payment of {$81.00} on XX/XX/XXXX as also shown. 

In XXXX, the Credit Card Accountability Responsibility and Disclosure Act amended the Truth in Lending Act as follows : Upon receipt of a payment from a card-holder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. 

However, Citibank violated this act by applying my XX/XX/XXXX payment first to the balance with the 1.99 % interest rate ( which essentially zeroed that balance out ) before applying the payment to the balance with the 19 % interest rate. I found this out when I called Citibank on XX/XX/XXXX and they said that my remaining balance {$860.00} was at the 19 % interest rate. I told the customer service representative that Citibank did not apply my payment per the law. The representative agreed and stated he would submit a request to apply my payment correctly. I called Citibank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to see if this had been corrected. On XX/XX/XXXX, the representative said that Citibank had denied my request to have my payment applied per the law. 

Thus, I am filing this complaint as Citibank blatantly violated the law in order to illegally charge me a higher interest rate on my remaining balance.

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 2023-07-06
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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
In short, I'd opened a Capital One 360 savings account this past XXXX ( XXXX ) primarily due to a promotion offering a {$100.00} bonus for each {$10000.00} deposited for at least ninety days ( " NEW500 ''  promotion, and the maximum was a {$500.00} bonus ). Capital One 's T & C 's included a caveat that the offer was not valid if you had a previous savings product with Capital One. I'd been a long-term credit card customer of Capital One and enjoyed dealing with them, so I opened an account with {$50000.00} and expected the bonus to be credited by early-XXXX. 

When I'd not seen the credit posted by mid-XXXX I contacted them by phone. They informed me that we had been disqualified for the promotion as we had a previous online account with Capital One ... with a {$0.00} balance : - That account had long ago been forgotten by us ; - Capital One stated there had not been any activity on it since at least XXXX, and that they had not sent any statements in that time ; - I'd argue this meets the definition of a dormant account, and one in which it is incumbent on the institution to attempt owner contact ( ref 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 ). 

I know ( and respect ) that Capital One 's systems are technically sophisticated and instantly provide the information I want, when I want it. But, that sophistication is double-edged ... I believe it is reasonable to expect that a large institution such as Capital One, that has the data, could have used that data to flag a bonus compliance issue as described \at the time of application// ... and ultimately give me the opportunity to stop the application before going forward ... if it was going to deny the promotion. 

As a retired XXXX customer service manager, I know that sometimes businesses make unwise decisions. And one way you  keep customers loyal is resolving problems that occasionally arise, especially the XXXX cent variety!! I'd like to believe that given the facts, an empowered Capital One manager would see this from the customer perspective, and use their judgement to fulfill the promotion as applied for.

I'd be more than happy to discuss this matter further in an attempt to see Capital One 'turn sour grapes into wine '! Can you assist by providing the necessary visibility to your contact ( s ) at Capital One??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: AMERICAN EXPRESS COMPANY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
An unauthorized charge dated XX/XX/2018 was made in the amount of {$1800.00} XXXX. I took a taxi from the airport to a downtown hotel and the flat fee was {$40.00} plus I added a {$8.00} tip to the card reader. The taxi driver apparently swiped my card to another device which captured my account number from the magnetic strip. After I left the taxi the taxi driver drove to a location 1.3 miles away and canceled my original transaction and manually entered my credit card number and charged me {$1800.00}. The taxi driver used XXXXXXXX XXXX to process the fraudulent charge. XXXXXXXX XXXX provides for signatures to be recorded by an electronic device such as a tablet and generates a receipt with the location of the transaction indicated on a map. The taxi driver forged my signature on a fake receipt using XXXX XXXX. 

I received an alert from American Express about the charge which I noticed early on the morning of XX/XX/XXXX and I contacted American Express to tell them that it was a fraudulent charge. XXXXXXXX XXXX sent American Express the fraudulent receipt forged by the taxi driver and closed my dispute and told me that in their opinion it was not a fraudulent transaction and that I needed to resolve the over charge with the merchant myself. 

The charge to my account is listed as from XXXX and XXXX. I can not find such a company on the internet and assume it is not a legitimate business. I requested in writing that American Express provide me with the legal name and address of the entity charging my account so that I can file a report with the police. American Express ignored my letter and just sent me form letters. I called on several times and requested this information and was told that they could not provide me with the legal name of the merchant.

American Express does not investigate fraud and does not provide any customer service in dispute resolutions. I can not get anyone at American Express to look beyond the fraudulent receipt provided by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 {$89.00} voucher for a XXXX XXXX restaurant from the XXXX XXXX. When that restaurant closed due to the XXXX crisis I requested a refund for that voucher. Initially XXXX refused to issue a refund, so I asked Capital One to put a hold on that transaction while it was disputed. They put a temporary hold on the charge on XX/XX/XXXX. I then recontacted XXXX, and they agreed to refund the full amount. They did so, and onXX/XX/XXXX, they credited my original credit card with the full {$89.00} amount. They have even provided the transaction number XXXX. 

Unfortunately, this credit never showed up on my credit card. I tried to call Capitol One to find the transaction, but www on hold for nearly 3 hours. Meanwhile, on XX/XX/XXXX, with no explanation, Capitol One rebiller the {$89.00}, but without adding the {$89.00} credit from XXXX. So I am again down {$89.00}. When I called Capitol One to ask why, they told me that XXXX had refused to refund me because my refund was not eligible ( that phone call took 2 hours ). I called XXXX back, and they reiterated that they had indeed refunded the money, and reconfirmed the transaction number. I send the transaction details to Capitol One, but received no response. On XX/XX/XXXX I received a written notification from Capital One that my dispute had been closed because I had received a credit for {$89.00} on XX/XX/XXXX. That credit was from a completely different company ( XXXX ) and had absolutely nothing to do with this transaction. I called Capital One again, and they told me I would get a credit, but when I asked for dates and times, retracted, and said it would be under further evaluation. I asked to speak to a supervisor, who told me yet another story, that I had received a voucher from XXXX ( I haven't, and XXXX deny this ). I asked to escalate my claim and was told she was not authorized to provide any escalation information. At this point, I have spent 5 hours on the phone, several months, have 4 completely different explanations from Capital One as to where my money is ( none of them correct ), and am beyond frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: MI
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:
I XXXX XXXX, consumer and natural person who is a victim of identity theft. XXXX, Experian, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, Experian, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.

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 2023-06-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has helped facilitate a cover of fraud for one XXXX XXXX. On my Fico report dated XXXX his name popped up at XXXX. Since that time XXXX XXXX charged off fraudulent charges starting the XXXX of XXXX. I am getting reports from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  The XXXX XXXX XXXX XXXX, and XXXX XXXX. This XXXX XXXX explains the some odd 100 credit report inquiries since the first of the year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: TRINITY HOPE ASSOCIATES
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid directly to the medical provider ( XXXX ) in XX/XX/XXXX. Account was noted with XXXX that it should have never been sent to collections and that I would pay XXXX directly via their online bill pay. XXXX was notified of this by me several times. XXXX would not let me send them receipts for paid bills and started to verbally harass me more than once. They have reported me as being in collections as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I initiated a purchase of XXXX BTC ( value of {$5000.00} at that time ). Coinbase 's app showed that everything was fine and the transaction went through. On XX/XX/XXXX, I tried to sign into my account, and my ability to do anything was locked, and all of my holdings were gone ( not just the XXXX ). There was never an email notification of a problem, no app notification and nothing on the website, it just said to contact support. 

I reached out to support on XX/XX/XXXX, and they then told me that the bank transaction failed. I was never given the opportunity to rectify the situation before they reversed the transaction AND took the rest of the funds in my account. 

Coinbase is claiming their TOS allows them to use the USD amount to recoup the funds, not the BTC amount. So, while I had a transaction for XXXX BTC on XX/XX/XXXX worth {$5000.00}, when they decided to reverse it, the USD value dropped. So they reversed the XXXX transaction ( making them whole, getting their entire amount of BTC back ) but also took the following holdings : XX/XX/XXXX purchase of XXXX BTC was taken by coinbase XX/XX/XXXX purchase of XXXX ETH was taken by coinbase XX/XX/XXXX purchase of XXXX BTC was taken by coinbase So, I was never warned that there was an issue, they never informed me the transaction failed, they just locked my account and took all my holdings. I have been begging them for help for 8 months now, but they refuse to do anything other than send a link to their TOS. 

Using the current value of ETH and BTC, the USD amount that they recouped over those 4 transactions is {$5900.00}. Their website says I still owe {$290.00}. In other words, they reversed the XXXX BTC transaction associated with the {$5000.00} failed transfer. they reversed the three other unassociated transactions as well, so with all that, they MADE {$670.00}, and are asking me to pay another {$290.00}. 

Coinbase never warned me of an account issue. Coinbase failed to give me any other options. Coinbase will be MAKING {$960.00} on one failed transaction ( not including their transaction fees! ). They refuse to help me. I have begged them. They never gave me a chance to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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: Investigation took more than 30 days

Complaint:
Rushmore LMS is my mortgage company. They are showing that I am 30days late on my report and i sent the payment in on time. However due to the pandemic covid-19, the mail system is not working properly. I have the proof of my check being sent to the company. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have two late payments on my XXXX XXXX Card in XXXX and XXXX. Ive asked to have them removed from my credit. Im disputing the late charges.this card was was replaced due to my card being lost when I lost my entire wallet. I was given a new card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NC
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX 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