BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid off a credit card debt with a debt collector called XXXX XXXX XXXX ( XXXX XXXX XXXX  ) but I got 2 extra charges and the emails they provide on the website do not work. I have no way of getting a hold of them regarding this matter. Their LiveChat do not work and the 3 emails provided on the website sent me an error message. There was only supposed to be a 1 time charge for {$290.00} on XX/XX/20 but I got 2 more on XX/XX/20 for {$22.00} and XX/XX/20 for {$11.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Netspend Corporation
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Well my boyfriend said he saw money that I supposedly transferred from his account to mine says my phone is linked to his some how idk what to do about it I need to figure it out he said NetSpend, XXXX XXXX, because there is a glitch or something with NetSpend because I get a card once a week.no joke .he thinks it is me scamming XXXX somehow unless my phone is hacked or something but my identity was stolen twice I know of

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 2023-10-31
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-01-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had purchased a sofa with XXXX XXXX  and opted to take out the promotional credit card from Synchrony Bank, in which there was a promotional no-interest on the loan. I had setup auto-pay assuming that the final month of the promotional period would pay for the loan amount. 

I had made the purchase XX/XX/XXXX, and had setup autopay immediately. 

XXXX years later in 2022, I had been charged the interest on the principal on the loan, unaware that autopay did not fully pay off my loan, thus an additional interest charge of {$1800.00} was charged to me. In XX/XX/2022, I made calls and requests to pay off the remaining principal in hopes of getting the interest charge removed, but after talking to XXXX different agents, all agents refused to refund me the interest. 

I do not check my emails that often, and being charged surprise interest while having autopay on is surprising considering all other companies I've use have been quite ethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-18
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX/XXXX/2021 Certified Affidavit Sent to Bureau Proof of Identity Theft and Demand for Removal XXXX/XXXX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX and XXXX on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts.

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 2021-03-23
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I submitted a payment in the amount of {$540.00} to payoff my full balance. On XX/XX/XXXX, I logged into the portal and did not see that a payment had been processed, so I submitted another payment in the amount of {$540.00}. 

On XX/XX/XXXX, I called in and asked if there was a way for this to be applied back to my bank account. The customer service representative advised that it would take 7-15 business days. This was not fast enough considering my status of my bank account so I was able to have my bank put a stop payment on the second payment made. Since the second payment was charged back to my account by the bank, on XX/XX/XXXX, I called Amazon to see if we could put a STOP on the refund check that was issued out to me. The representative misunderstood my request and issued ANOTHER refund in error. 

On XX/XX/XXXX, I logged into my account to see that my balance was now over {$1000.00} ( way past my credit limit ) in AMAZONS ERROR. I requested to speak to a manager who informed me that the representative sent out another refund check instead of applying a Stop. The manager advised a ticket was opened to their payment processing team to put a stop on BOTH refund checks. 

On XX/XX/XXXX, I called back as I saw that one refund check had been applied back to my account but not the other. I was advised that I would only need to wait 24-48 hours for the other refund check to be credited back. 

On XX/XX/XXXX, I called in and requested to speak to a manager. The manager advised that I would have to wait 7-15 business days for this request to be processed again even though it was Amazon/ Synchrony Banks error and they apologized for my inconvenience. I again, asked for them to escalate this because this should have been worked with the original request of XX/XX/16 but advised they could not. 

On top of this refund check still not being credited back to my account, they also decreased my credit limit due to my account balance being too high compared to my limit because they sent the second refund check in error. This has negatively impacted my credit due to this limit increase.

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 2019-08-04
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; N/A XXXX N/A XXXX MEDICAL PAYMENT DATA XXXX MEDICAL PAYMENT DATA XXXX MEDICAL PAYMENT DATA XXXX XXXX BANK CC XXXX CHILD SUPPORT ENFORCEM XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL 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 2023-08-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This Debt is not mine, I have reached out to this company for validation with no response. They are reporting inaccurately on my credit report, this company and the company they collect for are reporting as if I owe them a debt and I have never heard of either of these companies and I have never agreed to pay them anything. As in the above mentioned laws in accurate information must not be reported erroneously on a consumer. If so it must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have my mortgage set up on auto deduction. The agreement is stated as such : The payment is to be processed on the XXXX of the month, if the XXXX falls on a holiday or a weekend it will be processed on the next business day. Today is XX/XX/23 and it is already pending out of my bank account. I contacted them this morning XXXX got an attitude with me, she never offered to help, never said anything about it, never said sorry or anything. She never tried to help in the slightest. I am sick and tired of this company breaking the law and thinking they can get away with it all the time. I just recently filed a complaint against them for falsely reporting my insurance XXXX  to raise my monthly payment, and was called a liar by the manager, in which he is actually the one that was lying. I want sold or transferred from this mortgage company, i want to file a lawsuit for undue stress against this mortgage company because ever since we have had them it has been one thing after another, they cant get anything right, its causing me XXXX  and stress everyday. Always wondering what's next with them, are they going to try to take my house next? i don't trust them anymore than i can throw them.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Account number XXXX this account is fraud i have spoken to the collection company in regard to this account they contact me at my work place. which violated my rights please remove account asap

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 2023-08-09
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: 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Subject : Dispute of Inaccurate Student Loan Accounts Under FCRA Rules Dear Consumer Solutions, I am writing to formally dispute the accuracy and validity of several student loan accounts that are currently appearing on my credit report. These accounts have a significant impact on my personal livelihood and financial well-being, and I am seeking their removal in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 
Below are the account details for the disputed student loan accounts : * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX I wish to bring to your attention that these accounts are no longer present on my credit report. Their presence is causing unwarranted harm to my credit score and overall financial standing. I have diligently managed my credit obligations and have adhered to responsible financial practices, and it is crucial that my credit report accurately reflects this.

In accordance with the FCRA, I kindly request an investigation into the aforementioned student loan accounts. As per FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to accurate and up-to-date information on my credit report. Moreover, FCRA Section 611 ( a ) ( 1 ) ( B ) mandates that if any information is found to be inaccurate or can not be verified, it must be promptly deleted from my credit report.

Please provide written confirmation of the initiation of the investigation within five business days, as stipulated by FCRA Section 611 ( a ) ( 2 ). Furthermore, I request that you provide me with a written update on the progress of the investigation and its outcome, in compliance with FCRA Section 611 ( a ) ( 6 ) ( A ) ( iii ).

I am committed to resolving this matter and ensuring the accuracy of my credit report. Your prompt attention to this dispute is greatly appreciated. If necessary, please feel free to contact me to discuss any further details or clarifications. 
Thank you for your immediate assistance in this matter.

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 2023-08-08
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: 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 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 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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This credit bureau continues report late payments on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXXl. I have wrote to them on many occasions to remove this inaccurate information. That is a fcra violation of usc 15 1681a ( 2 ) ( a ) ( i ) it clearly states except as provided the term consumer report ( which is my credit report ) does not include a report containing information solely as to transactions or experiences between the consumer ( which is me ) and the person making the report. So I want.these late payments to be removed immediately. I also need.to be compensated XXXX XXXX for this fcra violation tht they have clearly violated..

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 2022-03-15
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a checking account online with Citibank, never used it and requested thru chat to close it when I was charged an inactivity fee. It took two separate attempts on chat to close the account, each month the account would be at {$0.00}, they charged the inactivity fee and then an NSF fee. It seemed that the account closed because it is no longer on my online banking when I sign in. 

I received an email on XX/XX/XXXX stating my account is overdrawn {$46.00}. I called to resolve the issue today XX/XX/XXXX, but no one will help me because I do not have the account number. I don't have access to the account number because it is no longer available online. I am told I can not be helped and the phone line goes dead when I ask to file a complaint. 

These charges are deceptive, false and now impossible to resolve. 

A company this large should have a better system to handle complaints. Using a foreign call center who disconnects the call is unacceptable. I made three attempts to resolve this today between XXXX and 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 2023-03-17
Company: JPMORGAN CHASE & CO.
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:
I had a trip delay on XX/XX/2022 and in XX/XX/2022, I filed a claim with Chase and XXXX which is their provider that handles their insurances and claims. I'm looking to receive reimbursement in Chase points ( XXXX UR points ) I used on a hotel stay I couldn't make because of the flight that was cancelled and the airline rerouted me making me unable to make it to the hotel. 

I have submitted all the documents required numerous times even after the claims agents have kept asking for the same documents I just provided. My claim was closed with no explanation last week, and when I called to check, the customer service agent was also confused on why it was closed and they said the claims agent would call me back. I received no call, and a week later, I find that my claim was closed again with no explanation. I am unable to speak to the agent who keeps closing my case and I don't know why they keep closing it after providing the necessary documents they need to provide proof that I used their credit card 's UR points for payment of the hotel. 

I believe that Chase 's features on their credit cards that use travel protections are fraudulent because their claims agents keep stringing along to prevent any kind of reimbursement to their customers.

Company response to consumer: Closed with explanation