BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-30
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Thank you for treating your good customers like XXXX and closing their account after they pay off their balance. I made continuous on-time payments for the entire life of the account, until life brought unexpected challenges. I lost my job and was transitioning into a new one, which caused me to miss one payment. After I tried to get assistance in making payments, I was denied, as my life challenges were not " difficult '' enough for one missed payment. Thankfully, I received help from a friend and was back on track to bringing all of my Synchrony accounts up to date. Until your website glitched and charged my account for the entire balance. Well, at least I was fully paid on one account. My friend assisted me again to make my other accounts current until my new income kicked in, despite this being no problem of theirs. They truly cared about my situation. Though, a company that claims to care and consistently advertises that they will do all they can to help, when in actuality only brought more difficulties, would not be compared to a good friend. They are not even close to a concerned party. In response to being a loyal borrower until circumstances outside of my control caused a single missed payment, their only response was to take more money from me in fees and interest and then close my account after it was erroneously paid in full, as well as my other Synchrony accounts, which were now current. 
In regard to your response in a difficult time, I will be reporting these actions to all consumer report agencies, so that no one else will need to experience this disgusting behavior from a company that will promise help, but not follow through. # ANOTHERGREEDYCORP Thank you for ruining my credit by closing my accounts which were again in good standing, due to the help of a true friend. 
I only thought it fair to send my grievances here, in order for your company to have a fair chance at explaining why they behave in this way.

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 2021-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I recently had business a credit card account with Capital One, with an APR of XXXX %. Like many, our business suffered a significant decline during COVID19 and around XX/XX/2020, we reached out to Capital One to request an Coronavirus assistance they had available. The option we were offered was to accept a deferral of our monthly payment, which we opted for in order to buy us a little breathing room on monthly debts. Unfortunately, we misunderstood this particular program and thought it was similar to other programs where we were afforded XXXX months deferral. However this was only good for XXXX month and we were a day late in requesting an extension, which as we learned now is equivalent to " missing a payment '' in Captial One 's book. We continued in this deferral program until this month, when we reached out to discuss with the bank if there were any options to help us reduce the interest rate or find a plan to pay off the debts. While the deferral was helpful, it was just kicking the can down the road. At was at this point that we learned that our interest rate was not XXXX  %, but had been increased to XXXX  % because of missed payments. Even though we were in Coronavirus protection program from XXXX - XXXX, because there was XXXX times where we requested the extension a day late, we were hit with a Predatory interest rate, without ever being told. I am infuriated as I revisit this experience in typing this. How is this even legal? How are credit card companies, during a time of record low interest rates, allowed to legally charge customers interest rates of XXXX %? All the while without informing the customers of such a predatory rate increase. This is worse than most pay day loans. Capital One refused to even consider correcting the issue. They offered no assistance in finding a way to restructure the debt so that we can pay it off. NO, they only wanted to continue to allow me to defer my payments while continuing to tack on XXXX % interest on the balance every month. Capital One needs to be investigated for this practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
Some information in my credit file is incorrect. Unfair of giving credit results. Suspicious accounts open not authorized. Credit fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: AL
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:
My account with XXXX XXXX has been disputed on 4 occasion since XX/XX/2021 ; however, I have not received any correspondence for them. The credit bureaus has not been able to validate this account. There is a lot of inaccurate information reported to this account that is hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
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: Information belongs to someone else

Complaint:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2022-10-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been Citibank customer for nearly 20 years. I held a checking account with Citi. Recently, in XX/XX/2022 I followed their promotion and opened a savings account. I deposited the required balance. I made several withdrawals from the account and also several deposits. At the beginning of XXXX, my savings account was blocked with no explanation. The online access to my checking account was blocked as well. However, the checking account was operational but I did not have any online access. I have been told that I will receive a check within the 3 months for the funds in my savings account. On XX/XX/2022, my checking was closed with no prior warning and no explanation. I found out only because two direct debits from this checking account to my credit cards were declined. I incurred late fees and interest because of this totaling up to {$100.00}. 
I received the check for the remaining funds from my checking account at the beginning of XXXX. I have not yet received the funds from my savings account totaling more than {$11000.00}. I went to the branch of Citibank. The staff was polite but they could not explain to me what is going on and the only way to find out was to call Citi. I called directly from the branch as otherwise, Citi did not even want to talk to me on the phone. I was transferred through several departments to the department that put a block on my account initially, but the person there could not tell me what is happening. He told me to call after 48 hours. I did call after 48 hours, but it was a similar result : several transfers and promises to send me the check within 50! days. This is after waiting for the funds for 3 months already. When I asked for a more detailed explanation, the person just handed up on me. I called Citi again to file the complaint, but even this was extremely difficult, I had to go through several departments. I am facing lost interest for about 5 month ( Citi did pay interest till XXXX, but it was extremely low relative to their competitors ). I think this behavior on behalf of Citi is extremely unprofessional and plain rude. Remember I was a customer for 20 years!

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 2021-09-13
Company: EQUIFAX, INC.
State: CA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: IL
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:
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. 

I contacted Equifax, XXXX and XXXX to investigate my accounts. It has been over 30 days and this is a huge violation. They are already getting investigated by congress for situations like this According to USC n1681, investigations have to be completed by the credit bureaus in 30 days! 
XXXX : XXXX, XXXX XXXX XXXX XXXX Dept of ed XXXX and Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX : Account # XXXX They didnt even record the current status of the dispute which is another violation! I have listed my account numbers above. 

Just to remind you all of some laws 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.

All my accounts across the credit bureaus should be exactly the same. The dates, open, closed, none of these should be different. They have failed like they always do to verify this info.

Please see attachments below All 3 of them lied about the validations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: CHECK CASHIERS, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
XX/XX/XXXX was the last loan I had paid off for the amount of {$230.00} Accordingly to XXXX XXXX I re-loaned on XX/XX/XXXX for an amount of {$250.00} owing them {$290.00} on XX/XX/XXXX. I came to find out on XX/XX/XXXX of this loan as XXXX called me from XXXX XXXX as a courtesy reminder, advised XXXX I have not stepped into there located for a loan since the last time I loaned which was In XX/XX/XXXX, she explained that they have a signed contract by me, she provided XX/XX/XXXX as the date I walked in there and loaned for {$250.00}. I explained to her It could not have been me since I was at work from XXXX-XXXX & have records of being in the office all day without leaving at any point during the day. She did not try to help in launching an investigation to see what happened, I went into the located today XX/XX/XXXX to pay the loan amount of {$290.00} so that amount will not go into collections for me not paying, as I was there I asked for a copy of the contract I supposedly signed on XX/XX/XXXX and signature on Check & Contact are nothing alike to my signature. I explained to XXXX this is not my signature on this paper & she seemed nervous when she said " It can not anyone 's else 's signature other than yours ''. I'm attaching A copy of the contract & check from XX/XX/XXXX & also a copy of the last loan check that was cashed with my correct signature from XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
There are two XXXX accounts on my Equifax credit report that are both more than 10 years old. I spoke with XXXX and they verified this information. I processed a dispute with Equifax and they verified the info and the accounts were closed over 10 years ago but did not delete them, they said because I did a dispute that change my date of last reporting to the date I disputed them so it would be another 10 years which makes no sense. They only appear on Equifax, they don't have any negative history and they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: AMERICAN EXPRESS COMPANY
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: Problem with rewards from credit card

Complaint:
American Express Credit card welcome offer not honored. 

I just got off the phone with American Express customer service inquiring about my welcome offer of XXXX XXXX XXXX points for signing up and they stated if I had ever signed up for a XXXX XXXX credit card in the past at anytime that I would not be eligible. However, the terms of the agreement show it's within the last 24 months only. I have already hit the spending requirements so there should be no issues. 

I tried to resolve this with AMEX and they mentioned they reserve the right to deny the welcome bonus for any reason and that I was not privy to the specific reasons why they are with holding the bonus. 

This feels like a bait and switch scam as they advertised a promotional welcome offer and had me sign up and pay a {$450.00} fee and spend {$5000.00} on the card then will not give me a real reason why they won't honor the welcome offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
I have called Bank of America to no avail without getting my issue resolved. I DID NOT apply for credit nor any type of loan for this company and they have absolutely NO REASON to check my XXXX report. This occurred on XXXX and to arbitrarily check an individual 's credit is HORRIBLE! I have sent an email, reached out on XXXX and called and no one has assisted me. Below is a screen shot of the hard inquiry that needs to be removed immediately!

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 2022-11-28
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
This is my XXXX 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  CO XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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
Consumer complaint received 2023-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off. The balance is truly incorrect, if possible, replace it to 0 or eliminate this account certainly. 

CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Avant Holding Company, Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
They signed me up for a loan without my knowledge. I received an email stating I needed to confirm my identity to claim/confirm it. However- I NEVER contacted them or requested a loan from them. They seem to have put me through the process without my express permission. 

I did reach out for a 'pre-qualification ' at XXXX and XXXX XXXX auto navigator. The timing is suspect- I suspect someone is doing something less than legal/savory and passing on consumer information to people in order to get a finders fee from legit lenders like Avant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
first know i wont be using ANY of my 8 accounts i have had in excellent standing until this is resolved the right way i am also asking for refund of any interest on my current stmt based on my excellent long term record. 
I knew the XXXX charge would be rebilled from XXXX they are hard to deal with. i am reporting them to attorney general. As i told the bank. the tickets i paid for one was scalped my kid got no seat i am not paying for the ticket and ther one size fits all refund policy wont address it approriately. 
This has to do with my card ending XXXX i want my money back or a credit with XXXX if you cant help me i cant use the card i had another problem with XXXX XXXX with them and had to fight for my rights. please credit my account or i will accept a credit with them. but my kid got NO seat i paid for in XXXX due to scalping i did report it. to them nothing done. My relationship with you depends upon this being handled right. 
Again please credit any interest on my account due to my long term relationship here. and handle this right. i will accept no other answer and i am " unable '' to use my 8 accounts until this is handled approrpaitely either a credit with XXXX for another event. or a credit on my credit card I DID NOT GET what i paid for and they can prove nothing different. this is NOT covered under their refund policy and the one size fits all approach you used in your dispute process falls short of recognition of that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently filed a complaint with this CRA in regards to XXXXXXXX XXXX and XXXX XXXX and XXXX XXXX and submitted all necessary documents on XX/XX/2023. The company closed this case. They did not block the information as requested so I called and spoke to a supervisor by the name of XXXX operator XXXX and they are stating that the CFPB did not provide them the complaint and my documents. I gave them the complaint number and they still deny receiving this from you all. It has been over 30 days and this account needs to be removed. They also removed a XXXXXXXX XXXX account that I did not dispute. I also submitted paperwork from the company XXXX XXXX where they did an investigation and deemed the account fraudulent and requested removal and they ignored that.

Company response to consumer: Closed with non-monetary relief