BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I would like to file a formal complaint against CITI BANK for closing XXXX of my credit cards out of the blue for no apparent reason. I suspect the reason being because I filed a previous CFPB complaint regarding a purchase dispute forcing them to re-open a case they had already closed. The previous CFPB complaint # is XXXX, I will be attaching the report to the complaint. The reason I suspect my reasoning being it was due to my previous complaint against them is because I filed the complaint with CFPB on XX/XX/2023 and CITI had no choice but to re-open my purchase dispute and lead to issuing me a permanent credit on XX/XX/2023. 11 days later both my CITI CREDIT CARDS was mysteriously closed and representatives at CITI CUSTOMER SERVICE are unable to tell me why they were closed and nobody is willing to give me answers or help me re-open my account that were in good standings. I had no late payments, no non-payments nor balances carrying over month to month. If CFPB can be step in would be greatly appreciated. I'm being punished for making a complaint and forcing CITI to relook over my previous purchase dispute.

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 2021-05-29
Company: Experian Information Solutions Inc.
State: LA
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:
Experian has a XXXX XXXX Credit Card that was opened XX/XX/2015 as paid but also showing that XXXX was written off. This old credit card was paid off in full and I have since obtained 2 other credit cards with XXXX XXXX. This amount was not written off and should only reflect as paid. Experian is the only credit bureau reporting this incorrect information.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: DC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on 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 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 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 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 2023-06-01
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was charged twice for the same purchase. I was charged for a Purchase on XX/XX/XXXX for {$110.00} which is accurate. I was then charged on XX/XX/XXXX for the same purchase. I contacted Direct Express and they deny the double charge even though it is showing as a deduction on my statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: Experian Information Solutions 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:
I paid my XX/XX/XXXX mortgage on XX/XX/XXXX before the 30 day late cutoff. 
XXXX XXXX XXXX  didn't process the payment for 3 days and reported me 30+ days late to my credit report. 
I was NOT 30 days late and have the receipt to prove it. 
I contested this with XXXX XXXX twice and they refused to rectify this for me. 
I was told, verbally, by XXXX XXXX that they would not admit this error and would not change this reporting. 
He also told me that I could go to the reporting agencies and use my proof to get this changed. 
I filed disputes with all three of the agencies and received a finalization notice from Experian today ( XX/XX/XXXX ) stating that XXXX XXXX would yet again NOT accept this even though I submitted my proof.

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 2023-06-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Care Credit sent my statement to an unknown address. I was not aware that I had missed a payment until i received an email from the company that I was past due. I was charged a {$30.00} late fee on my bill for something that was no fault of my own. I requested a copy of the missed payment from Care Credit to be mailed. That is when I discovered that my bill had been returned to Care Credit. The Agent I spoke with on the phone failed to disclose this to me. This {$30.00} late fee should be removed from my bill due to Care Credit 's error. Please assist me in this matter. I have attached documents received from Care Credit stating the same.

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 2020-06-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched USAA Confirmation Settlement Letter dated XX/XX/XXXX Re : USAA credit card ending XXXX SETTLED XX/XX/XXXX, XXXX see attactched USAA XX/XX/XXXX MC XXXX {$100.00} DUE. My private secure data from the XXXX OPENED THIS ACCOUNT XX/XX/XXXX. XXXX  & XXXX  RELY ON INACCURATE CREDIT REPORTING FROM THE CREDITOR USAA. *** I DID NOT OPEN ACCOUNT. **** CRAs REFUSE TO VERIFY THE DRS LICENSE & SIGNATURE. USED TO OPEN ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have call TransUnion several times to request that they remove several inquires that is on my credit profile I would like these applications removed I have already sent them my photo ID and ftc report on file I HAVE FRAUDULENT APPLICATION ON MY CREDIT PROFILE 1XXXX XXXX  XX/XX/XXXX 2.XXXX  XXXX   XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX  XXXX XX/XX/XXXX 6.XXXX  XXXX XX/XX/XXXX 7.XXXX  XXXX XXXX 8.XXXX  XXXX XX/XX/XXXX 9.XXXX  XXXX XX/XX/XXXX 10. 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 2023-06-01
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I contacted Credit Bureau Services A at the beginning of XX/XX/XXXX due a charge off still reflecting on my credit report from XXXX. The amount sent to them initially was incorrect. 

I attempted to dispute this with XXXX XXXX many years ago. I had the house professionally cleaned yet they still somehow found XXXX worth of damage which was incorrect. They tried to charge us XXXX plus keep our XXXX deposit thus indicating there was over XXXX worth of damage. Which we know there was was not XXXX worth of damage because I have pictures of a spotless house that I paid to have cleaned when we moved out! While I was attempting to resolve the issue with Credit Bureau Services XXXX  and come up with an solution I even offered to pay the amount. I was told there is nothing they can do and the phone call was intentionally disconnected by the representative on a recorded phone line while I was in mid sentence. I called back and attempted to speak with a supervisor and was told there was not one available and they would not talk to me. I was treated unprofessionally by the representatives. I believe their actions do not reflect good core ethics or morals. Please delete from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 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 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 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 2023-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had debt that was charged off by bank of America, their collection agency charged me for most of it in payments, the last XXXX dollars owed were garnished from my wages by a NV court in favor of Bank of America until debt was paid in full. 

Bank of America still shows the balance as unpaid even after disputing it through credit bureaus.

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 2022-05-15
Company: Incomm Holdings Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a Vanilla Gift Card for {$200.00} back in XX/XX/2021. When I went to use the card for the very first time the card was declined. I had checked online to make sure the balance was {$200.00} so I tried the card again and it still declined. When I pulled up the account information it showed that a transaction in NY had just been made for the full {$200.00}. I called and reported it to Vanilla Gift Cards and they sent me a dispute form. I completed the form immediately and emailed it back. I waited about a week and called back they say they never received the dispute form back so I faxed it and emailed it. Finally I received an email confirming they had received it. It states it could take up to 90 days to determine the outcome. Around 90 days I called again and they couldnt find the dispute form, I spoke with a supervisor that said she would escalate it however how could she escalate it if they didnt have my dispute form. Once again time goes by no word on anything I call again and was hung up on. Im so frustrated with the lack of customer service, I finally received and email with a letter attached saying they ruled in my favor and would be mailing me a new card with 2 weeks. Well 2 weeks came and went no new card so I called again and one rep told me they hadnt even started on my claim, frustrated again I asked for a supervisor she said a new card was mailed out and was already used. I told her I did not receive that card, she said it would take another 90 days for them to determine the activity made in the replacement card. Ive never heard of such a thing I received this gift card 6 months ago and still have not been able to use it. The card # XXXX XXXX XXXX XXXX and my dispute # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Subject : Complaint against Capital One regarding the misleading offer and unfulfilled bonus Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding their Savour card and the false advertising of a {$200.00} bonus offer on spending {$500.00} within the first month. Despite meeting and exceeding the spending requirements, I was informed that I am not eligible for the promised bonus. This situation has caused me significant inconvenience and frustration, and I seek your assistance in rectifying this matter. 

On XX/XX/XXXX ( or in that week ), I applied for the Capital One Savour card primarily because it advertised a lucrative offer of a {$200.00} bonus when spending {$500.00} within the first month of card membership. The offer was a deciding factor for me to choose Capital One as my financial service provider. However, to my dismay, after spending a total of {$800.00} within the specified timeframe, Capital One notified me that I was not approved for the bonus. 

Feeling misled and deceived, I immediately contacted Capital One 's customer service on two separate occasions, including today ( XX/XX/XXXX ), to seek clarification and resolution. Regrettably, each interaction with their representatives left me dissatisfied and without a satisfactory explanation for the denial of the bonus. This lack of transparency and accountability from Capital One is highly disappointing and does not align with the standards I expect from a reputable financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on. for 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 XXXX XXXX XXXX XXXX OPEN BALANCE {$8900.00} OPENED XX/XX/2022 XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 he Fair Credit Reporting Act XXXX  XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX acct # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-08-17
Company: Experian Information Solutions Inc.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX 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 2023-10-28
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously requested by mail for PHH Mortgage to outline and clearly explain the terms and conditions specifically pertaining to the Promissory Note to no availability. PHH Mortgage advised instead to decline such a request however this is a violation of the agreement between us. This complaint serves as a last attempt effort for PHH Mortgage to clearly address my concerns to ensure that my rights have not been violated and that the agreement in question does not contain material misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: JPMORGAN CHASE & CO.
State: CA
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:
I rented a car from XXXX in XXXX. This was under XXXX  XXXX. The amount debited from my checking account was XXXX. This charge is VALID but relevant, as it is a charge for the car rental for the XXXX XXXX. 

The company ( XXXX ) then charged an ADDITIONAL XXXX. This was charged over 3 months after the rental. Of course it was checked out and there was no damage. 

The above amount ( XXXX ) was charged for the exact same car, rental period, name, miles driven, everything, as the amount that was already charged ( XXXX ). 

I have attempted to contest this charge with Chase because it is ILLEGAL AND FRAUD. 

Chase did not investigate the vendor to be at fault. How is that possible? They charged twice for the same rental. There was no upgrade. There was no insurance I took out. This was, again, 3 months after I paid for the car, returned it, and there was no issue with damage or any reason there should have been any secondary charges. 

This fraud/incorrect billing was NOT investigated by Chase. This is my last attempt the receive the stolen XXXX from Chase as the vendor will not cooperate. 

My next step will be civil action for breach of terms with Chase and for upholding and even encouraging fraudulent charges to my account by foreign vendors who charged twice for the exact same rental and product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in the process of viewing my credit report and just saw this derogatory account created by Southwest Credit Systems, and it shows on my report it was created XX/XX/2019 for an alleged balance of {$140.00}. 

This claim made by Southwest Credit Systems is entirely unfamiliar to me. I never received anything from them and unless they can provide proof of debt with my signature and origin I demand this alleged debt be permanently removed from my credit report. 

Thank you

Company response to consumer: Closed with explanation