BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: SYNCHRONY FINANCIAL
State: LA
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:
I accidentally paid my credit card twice, and I called them to let them know. I was paying the full balance as of XX/XX/XXXX and balance should've been {$0.00}. 
I called them to notify them that I accidentally pressed pay twice and they said I have to call my bank after the charge is made. When I saw it on my bank statement, I checked my credit card and found they credited the extra charge to my account. The problem was, that the {$3100.00} they should've credited, was now, {$2400.00}! I checked my purchases that I made last night, and they added up to about {$270.00}. How could my balance that was credited to my account be {$2400.00}? I tried to check my statements, There aren't any! 
They just show the charges, but I feel that based on my charges and payments, I may have been overcharged since I've owned this card. I don't want to use this credit card anymore. They are dishonest.

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 2023-06-21
Company: EQUIFAX, INC.
State: WA
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:
I had a lease with XXXX XXXX and due to life changing events was looking to break a lease. Unfortunately could not find an acceptable solution with the lender. By some events solution has been found with 3rd party ( a company ), that took a car from my possession and promised to make payments ( by a written agreement/contract ). Unfortunately the company I mentioned before was the fraud company, that has been sued by the government and Im the victim on a case. I tried negotiate credit reporting with a lender but it had no success. An account has been settled/satisfied. I believe its unfair to be responsible on 100 % for what happened due fraudulent component. I would like to remove the XXXX XXXX account from my credit reporting file with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I have tried to call the Ally bank multiple times to see what is causing the lease buyout from being completed. The money was already accepted by Ally Bank on XX/XX/XXXX and the title has already been transferred. I have never once received a call back from a supervisor or when requesting a call back from them. If they have called they've never left a voicemail so I know it's even them calling. I filed a XXXX complaint to try and get some attention to my situation and still nothing. They have now reported to the credit agencies that my account is past due even though they have the money for the buyout and the title has already been transferred.

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 2021-12-23
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: WELLS FARGO & COMPANY
State: TN
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 filed a Bankruptcy in XXXX. I also purchased an automobile through Well Fargo in XXXX. I called Wells Fargo and told them that I was filing Bankruptcy. I later received a packet of documents in the mail to complete. I called Wells Fargo and told them I was going to continue to make my payments that the vehicle was not included in the bankruptcy. I asked if I need to go ahead and complete all of the paperwork in the packet they sent me. I was told no, just continue to make my payments. What they did not tell me was that it would show up on my credit report ( XXXX XXXX ) as the vehicle was in the Bankruptcy with the balance showing {$5600.00}. 
I have paid the automobile off there is a {$0.00} balance on it. I can and will produce documents to this effect if need be. I have made my payments mostly with a debit card out of my bank accounts and can get copies of all of my statements. 
All I want is for Wells Fargo to correct the credit reports, they have refused to do that so far. 
I have attached documents confirming I claimed the automobile as exempt and also a copy of the last/final payment to Wells Fargo.

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 2023-03-21
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Bread Financial Holdings, Inc.
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX Credit Card. I had a non-interest promotion. I was paying more than the Minimum Payment and was not aware that payments would need to call every single payment in and ask them to allocate them to the designated promotion. I speak English and understand it with certain limitations. I prefer to have documentation in XXXX when it comes to terms and conditions. I received an email advising that my Balance and increased due to an expired promotion. When I tried to asked to see if promotion bal. could be allocated to the promotion since payments were being made over the minimum and I was not explained the allocation process. and there is no way to directly allocate payments to promotion online. I was simply told there was nothing they could do because it was expired and I will have to pay the balance. I asked to speak to a manager and the manager told me that terms for allocation process are given to customer when they sign up for the promotion that it was my responsibility to make the payment as agreed, and simply it was my fault for not reading the fine print. My son who works for a credit card company tried to call and advised to them the terms are misleading since on statements it does not advised that when getting closer to the expiration of a promotion notifications are not advised in detail to how to avoid this or explains to a customer the process. I became ill and had to be hospitalized for over 3 months starting back in XXXX of 2019. When I was discharged from the hospital I had called all my credit cards, mortgage, and they were able to removed late fees and int. charges during the period of time I was hospitalized. however this credit card told me that they had already waived 1 late fee in the past 12months and that they were not able to help in anyway they told me that I would be forced to pay the fees and int. and that they would not adj. the minimum payment prior to the time in the hospital. We are now in XXXX and I have a Balance that has increased with fees and int. and an increase to the minimum payment that as a retired senior citizen I am not able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Capital One has charged off account XXXX This account was charged off but I never recieved a 1099C from Capital One. This is my formal request for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been in XXXX since XXXX of XXXX  when I was able to get access to my chime bank account in XX/XX/2023 I discovered that my account had been used without my authorization for XXXX transactions to a online merchant. I never authorized anyone to use my account. I immediately called chime bank XX/XX/2023 and disputed the transactions in total over $ XXXX. Chime bank decided that no error even thou I showed location proof I am in XXXX and the charges took place in Colorado so please be warned chime won't protect your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, I submitted a complaint against Barclays Bank for withdrawing funds from my account to pay for my wifes debt, which Barclays said I was not responsible for. They promptly responded by phone and followed up with a letter on XX/XX/2023, in which they said, After a thorough investigation, we can proceed with the refund of all payments posted to the account after your wifes passing upon proof of payment for all twenty-one payments along with a copy of Power of Attorney documents. My wife passed away suddenly, and she did not have a power of attorney.

I have now spoken with, and explained that there is no POA, but I have my late wifes will, and death certificate to three different people. Each time Barclays responds, I get a different representative, and each time they said they would have to submit the information to their superiors to see what they are going to do. They have already admitted that they owe me the money ( {$10000.00} ) and agreed that they owe me the money. But now it appears that they are simply running me around, perhaps hoping I will just go away.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX The correct address should reflect the following : XXXX XXXX XXXX XXXX, GA XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 non-monetary relief
Consumer complaint received 2021-12-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a cash deposit on Citibank XXXX XXXX XXXX XXXX XXXX atm XXXX of {$1100.00} at XX/XX/XXXX XXXX XX/XX/XXXX, the money got jammed, I asked the manager to help, he made me call the It service, I did and opened the case # XXXX, they gave me 1 business day to fix that, on XX/XX/XXXX at XXXX I called again and they said would take 10 to 45 days to get that fixed, I went to the branch to speak to the manager again, he talked to me on a ironic way pretending that I put a quarter in the middle of the bills, since them Ive been treated like a thief, when I made my point : did you find the money, answer is yes, the amount is right? Yes, so why would I do that? Them they changed the tone of the conversation. 
The money was to pay the IRS payment which at this point have already returned Beside all the financial problems Im facing the situation that Ive been treated as thief or scam which no proofs

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 2019-10-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After being hospitalized from XXXX  XXXX to my child via emergency XXXX, I requested my accounts to be consolidated XX/XX/2019 to better manage my finances. All of my accounts were approved to be consolidated including XXXX/XXXX XXXX. The Bank instead reported these accounts as late which was disingenuous. This issue has caused my stress and more importantly dropped my score to the point that I can not take advantage of the best available rating for a new home. 


Account : XXXX/XXXX XXXX XXXX ( I have not received a letter of late payment ) this account was confirmed in consolidation and was never late. 

XXXX/XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Dear CFPB Representative, XXXX XX/XX/2021, I processed a XXXX transfer for $ XXXX to do a property rental reservation. Attached you may find the chain of emails related to the transaction. Similarly, attached is a copy of the Booking Form I received from the person I had email communications. 

The past XXXX XXXX, I filed a fraud complain through my bank ( Bank of America ), and I explained to them all the situation. I also told them that I have all the information to probe the fraud. Per my request, Bank of America informed to me that the money was transferred to an account in XXXX Bank, but they could not provide additional information. I informed them that if both banks do not do anything about this fraud, it looks that bank are participating as a legal tool to commit frauds in the US. 

I received the attached letter from Bank of America, see attached letter. It is not a final closure of the case, but it looks like a first step to get rid of the claim. The claim number is XXXX. 

I believe that if no body acts of this case, XXXX is becoming a legal tool to commit a fraud using legal institutions of the United State of America.

I appreciate all the assistance you may provide for this case. 

Sincerely Yours, XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
please be advised that experian, and transunion and XXXX has the following collection account : ( XXXX ) absolute resolutions i is reporting this unknown collection account on my credit report- balance of XXXX i never had any account with this company and requested the credit reporting agencies to delete the account from my credit reporting file. it should be noted that this inaccurate reporting has affected me greatly. please delete account immediately. 
( XXXX XXXX XXXX XXXX XXXX also incorrect data being reported by the same credit reporting agencies. they has not reported XXXX account history as 100 % accurate, please delete account from my credit file because it has stopped me from getting credit from a potential creditor.

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 2023-06-26
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian will only give accurate updated info if you pay a membership fee! 
Experian report shows completely inaccurate info despite burying the correct info in the credit card balances Example today I recieved an email that there was a decrease in my score. Suprised I looked at the Experian app The over view showed a score that was XXXX points less than XXXX and XXXX It showed a debt 4x more than I owed so I looked on their app at my individual credit card debt. On their own site it states the info is correct as of today but their over view showed 4 % credit usage when the actual credit cards were less than 1 %. They dropped my score when it should have increased. Called Experian and explained they saw the same numbers and said. I COULD GET ACCURATE UPDATED INFORMATION IF I PAID THEIR MEMBERSHIP FEE. XXXX and XXXX are providing updated accurate info without a membership fee. Im my opinion. Experian is extorting money from consumers by having a membership program and they are deliberately posting inaccurate information when claiming to be giving as of today info

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 2023-06-26
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
No help whatsoever from WELLS FARGO. XX/XX/23 to today XX/XX/23, still waiting for an authoritative individual to call me. Since a XXXX clerk tampered with my account without my authorization, heres the repercussions I am suffering : Cell phone disconnecting. 
{$400.00} fee for XXXX cancellation due to non payment. ( And not being able to have XXXX ) Not being able to purchase gasoline or food. 
This is all due to this clerk filing a claim and canceling my card 2 hours after I hung up with him. And told him very very clearly to NOT to touch my account and leave my card alone. He insisted that I purchased a golf membership on MN, and he even repeated himself after I told him I HATE GOLF AND I LIVE IN AZ. 
I have had trouble with my digital wallet in which an employee couldnt even get it to work. I was told a debit card was being rushed to me, really? When? Why cant someone call me and resolve any of the issues and new ones? Also, transactions coming through the account will encounter late fees, and cant even make any payments, but the problem exists. How do I pay for late fees for multiple transactions, all because of the control your clerk took while collecting a paycheck?!

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 2017-05-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In  2011  the said company,  XXXX , failed to lower my loan amount to a comfortable payment. I paid them a substainable amount of money to no avail.

Company response to consumer: Closed with explanation