BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX In XX/XX/2017 I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX XXXX offered an assistance program to place my account in forbearance between XX/XX/2017 - XX/XX/2017 during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. 

When billing reoccurred I disputed amount owed because it contained late fees and accused interest for forbearance period. I have disputed this reporting with XXXX XXXX, Experian, XXXX, and XXXX to no avail. This time period should not report as late, past due, or negatively impact me.

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 2022-08-10
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: Reporting company used your report improperly

Complaint:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, DEPT OF ED/XXXX has violated my rights. Regarding alleged accounts # XXXX, XXXX, and XXXX 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 an 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

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 2022-08-10
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: Reporting company used your report improperly

Complaint:
N Accordance with the fair Credit Reporting act XXXX Account XXXX, has Violated My rights.15 U.S.C 1680 section 602 A. States I have the right to privacy.15 U.SC 1681 Section 604 A Section 2 : It also States a Consumer reporting agency Can not without my written Instructions.

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 2023-10-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/XXXX : received American Express ( " Amex '' ) {$200.00} virtual " eGift '' card in my email as a XXXX present from my parents. Upon receipt, activated and checked the balance online. Balance showed as {$200.00}. 

XX/XX/XXXX : tried to use the card at XXXX XXXX in XXXX, CA. Card was declined. Server came to our table to tell me about this. Felt embarrassed and dejected. 

XX/XX/XXXX : added the card successfully to XXXX XXXX on my phone. Tried to use the card to buy XXXX. Card was declined. Felt incredibly frustrated. 

XX/XX/XXXX : read about other users finding similar problems with the Amex gift card on XXXX and other sites. Read that some users had luck buying other gift cards for the same amount and then using those for purchases. Tried to use the Amex gift card at XXXX to buy an equivalent value gift card. Card was declined. 

XX/XX/XXXX : re-added the card to XXXX XXXX ( after removing previously ) and attempted to purchase an XXXX XXXX gift card. Card was declined. 

XX/XX/XXXX : called the Amex customer service number indicated on the gift card balance page. The balance page only shows a {$0.00} charge on the card from XXXX for a " pending transaction '' which as indicated above never went through. So it shows a {$190.00} balance remaining. The Amex customer service line offers options ( 1 ) for activating the card or checking a balance, ( 2 ) for declined transactions, and ( 3 ) frequently asked questions. There is no way to speak to a person about the problems I've had, or even to solve any problems specific to this card with an automated agent. I listened to all the recorded messages and tried calling back to see if pressing XXXX to get an agent would work or if there was any way to resolve the issue I was having. There was no way. I tried searching on XXXX for help from Amex in dealing with this issue- there was no other option. 

I'm separately an Amex credit card customer and am now considering canceling my relationship with the company as this is such a disappointing and frustrating experience. From research of other people having this issue online, it appears I'm far from alone in feeling duped and taken advantage of by American Express due to their XXXX card practices. 

I am eager to resolve this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is in regards to complaint number XXXX that I previously filed today on XX/XX/2021. The reasons I am sending this is because I did not send all of the attachments pertaining to this complaint. I hope I am able to send them with this complaint.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
mailed to transunionXXXX  and XXXX asked for a verify/and or validate this alleged debt owed to XXXX. data also requested the contract and signature that I provided to XXXX. Data ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4. Also they are violating the consumer law by adding interest to this alleged debt Consumer rights that are being violated 15 USC 1681 b 15USC 1681 4 fair debt collection practices act, section 80XXXX ( b ) : validating debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original 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 2023-05-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Ive called to turn off over draft fees they said I couldnt Ive paid over draft fees multiple times from being over drafted sometimes very few dollars for days

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 2024-01-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX i noticed fraud charges on my card and requested for a replacement. It is my only functioning card and as of XX/XX/XXXX- i have not yet received my card. every conversation with the citi customer representative is " card has been mailed and you should get it ''., Request to get it expediated was not accepted. Worst service to date by the citi card.

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 2019-10-11
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: Information belongs to someone else

Complaint:
I recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a number of items on my report that are not mine. This is definitely fraud so I contacted the police locally and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and these inquiries are not mine either : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXXT XXXX XXXXXXXX.

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 2023-09-21
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After I recently filed a complaint to Discover from the CFPB, they said they decided to close my account right after I filed that complaint. It's my right as a consumer for me to file a complaint without it adversely affecting me. I'm a college student and this was my first credit card, so it really helped my credit score, and this could really mess it up. I've paid the account balance off despite their lack of response to my first complaint where they put random charges in my account, so now not only do they owe me money, but they are messing up my credit score too. I am so upset and angry and this is really hurtful, I want assistance from someone in filing a lawsuit against this company if possible. How could they not even respond to my complaint and just close my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 customer service

Complaint:
Advised the credit card company that my data was breached thru my XXXX and laptop and that the cyber hackers have control of my email and phone number that they have on my account and I want to advise them of my new contact information.. That the hackers also currently have control of my landline at my home, and my wi-fi and my internet connection, I currently have no secure line to electronically connect with them without revealing my passwords and SSN. IThis credit card company wrote that they would not accept my request to change my contact information by letter, that I must use the telephone to call in the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: WELLS FARGO & COMPANY
State: DC
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:
In a prior complaint cfpb # XXXX related to unpaid/underpaid property taxes and mismanaged escrow, I noted my credit score had fallen due to Wells Fargo reporting a total mortgage amount well above what my principle balance was set as. I was told in the resolution of my complaint Wells Fargo was reporting everything correctly, and I would have to call credit bureaus. The Wells Fargo credit report provided shows the incorrect amount, but I was told I must be wrong or need to contact the credit bureau. 

Wells Fargo shows my principle balance as {$370000.00}. Credit bureaus, both XXXX XXXX and XXXX ( I have not checked XXXX ) show it as XXXX. That is a difference of over {$14000.00}, and caused my credit score to go down, In most cases moving me from good/fair score to poor scores. I am about to move, this score drop directly impacts my ability to borrow at an optimal interest rate. 

Wells Fargo has made my life hellish for months due to the tax issue and not their refusal to correct the loan amount. I am not sure why there is such a large disconnect, but the only way the bureaus would have this amount is from Wells Fargo. I can not just tell the bureaus they are wrong and get this fixed. Wells Fargo needs to fix this. It is the least they can do after months of pain and emotional distress that they shrug off as nothing and then lie to me that they are reporting everything correctly. 

I am including screen shots of 3 separate credit score details I can access on my Wells Fargo, XXXX, and XXXX XXXX  accounts through credit monitoring service provided. I am also attaching my most recent mortgage statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX, and Experian keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

*According to 15 USC 1681 ( 5 ) XXXX XXXX XXXX XXXX and Experian have to modify or delete accounts that are not reporting accurately *According to 15 USC 1681b ( 1 ) XXXX, XXXX, and Experian don't have no written premission *According to 15 USC 1681 I have the right to privacy *According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 

I can go on and on XXXX, XXXX, and Experian have no respect for the laws. 

Someone needs to hold them accountable for 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 explanation
Consumer complaint received 2024-01-05
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023 i called Citibank to inquire why I continue to see different amounts on my oline account and back account. the company has been taking money from my bank account then saying I still owe money. XXXX XX/XX/3023, my balance should have said XXXX or -at least - {$4200.00} but the company keeps doubling charges at then says the system has a glinch. I never received correspondence regarding the glinch. they have been charring be two interest rates since XXXX. They charging interest on fees the should be XXXX. on the XXXXXX/XX/2023 statement there should show a negative amount because I had a negative XXXX balance, a credit of XXXX, and a payment of XXXX. Citibank has produce several statement with conflicting 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 2023-04-03
Company: Experian Information Solutions Inc.
State: IL
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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

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 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received the prepaid card on XXXX OF XXXX since then have made on time payments. However XX/XX/XXXX billing cycle I paid balance in full and waited for my available credit line. Well after 3 days of not being able to use my card I was charged {$4.00} in erroneous charges cash back interest rate, which Ive never seen since Ive had the card in addition to billing consumers on a 25 day calendar period and not 30 day. My {$25.00} payment I was told was a minimum payment, customer service said that it was a late fee. But when I utilized the capital One Mobile app is SPECIFICALLY SAID MINIMUM DUE {$25.00} so thats what I selected to pay on XX/XX/XXXX and {$230.00} on XX/XX/XXXX on XX/XX/XXXX it reflect the {$4.00} balance AFTER I HAD ALREADY PAID IN FULL!

2 : I NEVER RECIEPTS A LETTER STATING THAT THEY CONDUCTED A REVIEW OF MY ACCOUNT TO INCREASE CREDIT LINE 3 : operates on 25 day CYCLE NOT 30 days 4 : NO DIRECT IMPACT TO MY SCORE AS IT ALSO REPORTED So at this point CAPITAL ONE HAS DEFRAUDED ME ON SEVERAL OCCASIONS AND HAS VIOLATED MY SCRA RIGHTS AND THEY ALSO MISLEAD ME THE CONSUMER AND FRAUDED ME AT THIS POINT AND I DEMANDING TO BE COMPENSATED

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: WI
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation