BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done.

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action.

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge 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 letter is to provide additional explanation and proof of my valid dispute at the amount charged by the XXXX XXXX XXXX  in XXXX XXXX XXXX. I visited the bar on the XX/XX/XXXX. There was a situation where I was told by the bartender he ordered {$250.00} bottle of champagne, which I contested but was still charged, and then was also double charged for an additional transaction. Some of the bartenders distributed it to their group and some of their friends and signed the receipt, even though I had said four times I did not order the drink and neither myself nor my party drank. The merchant attempted to say I signed the receipt in the dispute, even though that is very clearly not my signature, ( Ive attached two examples from my passports as proof ), as well as claimed that I didnt attempt to reach out to them, ( this is false, I emailed them the next week over and attempted to visit in-person multiple times after and the manager refused to speak with me ). This is a common scam at this bar where theyll markup or charge a drink, the bartenders will sign the receipt, and then theyll push it through. In fact its a COMMON complaint on XXXX reviews. I expect Capital One/XXXX/and XXXX XXXX to refund me my money or I am prepared to escalate this to the CFB and file a claim with the relevant authorities in XXXX XXXX. This is unacceptable. Capital One just claims I didn't provide this information about me contacting the bar when I did several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The magnetic strip was not working on my Targ et Red Card so I  ordered a new card. I never received the new card. Someone intercepted the new card, activated it online and used it to purchase electronics. On  XXXX   XXXX ,  2017  I was notified of the series of fraudulent charges. I immediately disputed these charges. I contacted an attorney who sent in an ID Theft Affidavit, Police Report and supporting documents. We are also working on getting the surveillance tapes from Target. Target denied my ID Theft claim based on the wrong information that the card used to buy these electronics was in my possession. The card used to purchase the fraudulent items was the replacement card that I never received. I have had a very difficult time trying to work this out with Target.     I hope your agency can help communicate the correct facts and get this resolved. I have made the minimum payments on this account, so my credit is not ruined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: GA
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this collectors are harassing and abusing me by calling repeatedly 5 to 10 times a day and at XXXX and XXXX they are constantly are threatening me constantly to pay them with gift cards from XXXX XXXX or send them money from XXXX XXXX XXXX they said they will come by and arrest me cause they have the power to arrest anyone if i don't have the gift card ready for them when they come by the house. I already told them i do not owe you anything. I'm a victim of Identity theft, I have no knowledge of any account debt at all. Do not contact me. they keep harassing me..to pay them with gift cards. Please help... I have a XXXX I am a XXXX citizen..

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 2023-09-15
Company: Winklevoss Exchange LLC
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
XX/XX/XXXX  To : GEMINI Card Holder Service Account Ending : XXXX Purchase made XX/XX/XXXX at XXXX XXXX  Disputed to Gemini on XX/XX/XXXX at XXXX XXXX  Hello, After I submitted my complaint on XX/XX/XXXX, I sent an email to the XXXX XXXX XXXX, requesting proof of no access to the system since XX/XX/XXXX to current day ( XX/XX/XXXX ,XXXX  ). ( attached email ). 

After I sent the email asking for proof of no access, I received a notification of new access to the system, they gave me access on XX/XX/XXXX  ( attached proof ). 

Then I sent another email to the merchant requesting the money back for contract violation, I did not have access from XX/XX/XXXX to XX/XX/XXXX  this is 72 days with no access, If we count the days from XX/XX/XXXX  to XX/XX/, it is 53 days with no access, right? 

If they received the funds on XX/XX/XXXX  the merchant needed to give me access immediately instead of told me to pay again if I needed access to the system on XX/XX/. 

Again, here there are the proofs per your request. Please advise, that I never completed the course, and I never was able to complete any requirement. 

XXXX XXXX  will never send me the proof of no access from XX/XX/XXXX to XX/XX/XXXX, but sending me new access to the system on XX/XX/XXXX  this is enough proof. 

Sirs, I am sending you all the proofs to you. Please refund the full amount of {$8600.00} and all interest charges since XX/XX/. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I've opened a 360 Checking Account on the bank 's website using a public promo code XXXX XXXX XXXX and everything seemed fine initially until my account was restricted the very next day. An email from the bank stated that I have to submit ID verification in order to restore my account access. So I've complied promptly by submitting my Washington Driver 's License on XX/XX/ using the link in the email and was told that the issue would be resolved in 2 days. 

However, no response was received after a week so I've decided to reach out. I called the bank at XXXX XXXX XXXX hoping to speak with someone to get a resolution. A gentleman answered after a long wait and then tried to make the matter very hard for me. I was fine if he's just trying to make sure I'm who I'm, however he just kept going by asking way more questions than I would ever imagined. Half way through the process, he even asked me to submit my ID again although it was already done a week ago, and then, he went on by asking for my full SSN over the phone which I was reluctant to give away. I meant the bank already has that info when I've submitted my application. So I countered to confirm the last four digits only but he wouldn't budge and said he can't help me if I don't give the full SSN. During the call I was actually intimidated multiple times not only by his behavior but also by the so-called bank procedures. I thought he's finished until even more bizarre questions hit me like how did you hear about Capital One, why did you choose to open an account, how do you plan to use your account and so on, which made me felt like I may have gotten scammed by dialing the wrong number. So I double checked the number and even asked the agent for the number of his department, and no doubt, it is Capital One whom I was speaking with. Wow, what an experience from a reputable bank in America! I suspected that this call center may have been located overseas and understaffed, and the whole team there seemed to be poorly trained and treated to have resulted in the kind of service that I've received! 

Before giving up I decided to give it one more try on XX/XX/XXXX XXXX XXXX XXXX  and it went into voicemail box for Customer Protection Resolution Team, so I left one with my full name, full acct number and phone number as instructed. Unfortunately, no call back was ever received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Received a response to the original complaint which is not satisfactory. The introductory APR expired on XX/XX/. Regardless of the date of the statements, the interest rate charged to the balance transfer offer increased after XX/XX/. Therefore a payment made XX/XX/XXXX  and received by the company XX/XX/XXXX  should have been applied to the balance transfer balance, which was the highest APR of the plans at the time that the payment was received. The statement dates mean absolutely nothing. This is predatory lending and refunding a partial month 's interest charges while continuing to charge 2.5x the interest rate you are entitled to is not an acceptable response. The documents you sent actually reinforce my positron and prove that the date you applied the payment to the lower interest rate plan was incorrect. You have not complied with the laws and I will continue to file complaints and seek remedies to the fullest extent.

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 2017-05-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been in continuous written contact with Citibank since  XXXX   XXXX  regarding a dispute over penalties and fees assessed for a missed payment. By oversight I skipped the  XXXX   XXXX  credit card payment, and promptly brought my account current in  XXXX   XXXX . Prior to this incident I had an excellent record of timely payments on this account. However, despite several written inquiries and attempts to resolve the issue, I received nothing from Citibank, other than collection threats, until late  XXXX   XXXX . At that time they informed me in writing that indeed my account was current as of  XXXX   XXXX . Nevertheless, they continued to send billing statements with accumulating interest and penalties without adequate explanation, the most recent being  XXXX   XXXX . I repeatedly offered to resume payments once they removed the excess fees from my account, but they did not respond one way or the other until last Friday when I received a collection notice from an agency to which Citibank referred my account. Today I sent a letter to  Citibank  informing them that I was seeking the involvement of the CFPB, to resolve 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 explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$1600.00} on the XXXX XXXX partial account number ****XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account has not been updated by the ( 2 ) bureaus to report accurately the current payment information and because this information has not been updated, this account has now been sent to collections and never should have been. This account information needs to be updated. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

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 2023-09-18
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, Citibank closed my credit card account. This was shocking as my credit score is about XXXX and I had never had a late payment in the > 10 years of having the card. When I asked Citibank why the account was closed, I received a letter ( attached ) stating that during a recent review of my account, they discovered that I was associated with a XXXX related business. Therefore, they determined that they could no longer offer me financial services. 
I have not in the past nor am currently involved in any XXXX or XXXX related business either directly or indirectly ( investments ). I have never been to a dispensary. I do not use medical ( or any ) XXXX, and although I am a XXXX, I do not nor have I ever had anything to do with medical XXXX. I am willing to share my tax returns and provide a sworn affidavit if necessary.

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 2023-03-04
Company: EQUIFAX, 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:
I have filed a local police report and an identity theft report because my information was used without my consent. I need this to be addressed immediately In accordance with the Fair Credit Reporting act account : XXXX XXXX 
Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 disputed account that was in collection on my credit report with Transunion, with a notarized Affidavit for account validation. Which was sent via certified mail on XX/XX/2023. On XX/XX/2023 my disputes were verified as accurate. But in my dispute letter I demanded physical documents with my signature or any legally binding instruments that can prove my connection to these erroneous entries. And they were unable to do so. So by law if they are unable to responsibly investigate and provide proof, these erroneous items should be removed. Account name is 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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2023-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have reached out to Capital One for some understanding in helping with lowering my credit card payments. I am a XXXX XXXX who has just lost her job. I plan on paying my bill but I need some late fees removed, interest payments, interest fees, and some late fees, as I paid my card twice in one month and was still charged as though I was late. I would also like to be able to remove all my late payments. Any and all help would be appreciated In this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue with the accuracy of my credit report. Specifically, I am disputing the reporting of late payment by the credit reporting agency that is inaccurate and is negatively affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate and complete information. Section 1681e ( b ) of the FCRA states that credit reporting agencies must follow reasonable procedures to ensure the accuracy of the information in a consumer 's credit report.

Despite the information being provided to the credit reporting agency with evidence that the late payment reported on my credit report is inaccurate, the agency has not taken any action to correct the error. My lender XXXX provided me with a letter stating that the information in question is inaccurate, and they sent a copy of this letter to the credit reporting agency as well. The letter clearly states that late payment is inaccurate and should not be on my report.

I would appreciate your assistance in resolving this matter promptly, as the inaccurate reporting is negatively impacting my credit score and my ability to obtain credit. Thank you for your time and attention to this matter. 

Sincerely, 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