BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-26
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, XXXX, through their payer source XXXX charged a deposit of {$2400.00} for a river cruise to my Discover credit card. The cruise did not happen due to the covid crisis. On XX/XX/XXXX, XXXX, through their payer source XXXX refunded {$2700.00} to the same Discover account. I never received the refund to that account because the account had been closed in early XXXX due to a fraudulent charge made on that account. I was issued a new credit card number through Discover. Discover claims they can't see any information involving the initial account. 

I have spent hours on the phone and in on-line chats with a whole host of Discover personnel since XXXX. I have gotten nowhere - Discover denies having received the money and then the last time I spoke with a Discover representative I was told they had returned the money to XXXX but refused to provide any proof of this transaction. XXXX states they have not received the money from Discover. 

I am attaching my letter to Discover on XX/XX/XXXX, the statement with the initial charge, a letter from an XXXX represnetative, and transaction records of both the charge and the refund from XXXX. 

I need help and am hopefully you can assist me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2020, I alerted the company that the account was not mine and I never lived at the address. The Credit bureau informed of these accounts and they have not investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My complaint is against Capital One Auto Financing and my auto loan through. I purchased a XXXX XXXX XXXX two years which they financed and have struggled with the loan payments after six months. Initially the vehicle was vandalized through unauthorized use causing extensive damage to the undercarriage breaking both control arms, bending a rim and ruining a tire. The repairs exceeded {$3000.00}. A police report was filed, but no charges were ever filed. As part of my contract with Capital One I have to maintain the vehicle and am responsible for any and all repairs. I immediately notified them of the damage and forwarded a copy of the police report. The did not offer any leniency despite being made aware that the cost of the repairs would hinder my ability to repay the loan. Six months later I was involved in an accident in a company vehicle which left me bed-ridden and unemployed for two months. Once again, I notified the bank that I would not be able to make my payments on time. Once again, when I asked for a deferment on the loan, it was denied. Recently, and partially because I was desperate for work, I fell prey to a labor scam which left me once again behind on loan payments. Now the bank is threatening repossession, they've worsened my financial situation by reporting negatively to the credit bureaus, they've buried me in interest and late fees, and still can not offer a solution. They are attempting to profit from a victim and this is the epitome of predatory lending. The vehicle is no longer worth anywhere near it's original loan value and I'm still responsible for the principle loan amount. I should not be paying excessive interest and fees on a criminal act nor should the bank be able to profit from it. They've also violated my privacy by disclosing negative information regarding the loan, including status, payoff, and balance without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: ALLY FINANCIAL INC.
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My gap insurance was never given back after traded in

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 2022-10-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ mi ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ ] XXXX. XXXX & XXXX Account Number : [ XXXX Reason : [ I need it to be remove if possible please. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely,

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received an email from XXXX stating there was a XXXX party verifiying my identity for a recent credit card with JP Morgan Chase in the amount of XXXX dollar limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Dear cfpb I am writing to express my dissatisfaction and anger over the recent data breach and misuse of customer information that occurred at your bank. I am one of the millions of customers who were affected by this incident, and I demand a full explanation and compensation for the harm caused to me.

According to the Consumer Financial Protection Bureau ( CFPB ), your bank illegally assessed fees and interest charges on auto and mortgage loans, wrongly repossessed cars, misapplied payments, charged surprise overdraft fees, applied incorrect charges to checking and savings accounts, and improperly froze some accounts [ ^1^ ] [ 1 ]. Moreover, your bank accidentally leaked confidential information about tens of thousands of your wealthiest clients to a former financial adviser who subpoenaed the company as part of a lawsuit [ ^2^ ] [ 2 ]. Additionally, your bank mistakenly provided personal information of some customers, including their names and social security numbers, to another customer while processing stimulus payments [ ^3^ ] [ 3 ]. 

These practices are not only unethical and irresponsible, but also illegal and in violation of various consumer protection laws. As a result of your negligence and misconduct, I have suffered financial losses, emotional distress, and increased risk of identity theft. I have lost trust and confidence in your bank, and I feel betrayed and violated by your actions.

I request that you take immediate and effective measures to remedy this situation and prevent any further harm to your customers. Specifically, I ask that you : - Provide me with a detailed account of how and why the data breach and misuse of customer information occurred, and what steps you have taken to secure and protect the data.

- Refund me any fees, interest charges, or other costs that I have incurred due to your errors or misdeeds, and correct any errors or inaccuracies on my credit report or account statements.

- Offer me free credit monitoring and identity theft protection services for at least two years, and reimburse me for any expenses that I may incur to safeguard my identity and credit.

- Apologize sincerely and publicly for your actions, and commit to improving your policies, procedures, and oversight to ensure compliance with the law and respect for your customers.

I expect a prompt and satisfactory response from you within 10 business days. If I do not hear from you by then, or if I am not satisfied with your response, I will take further action, including filing a complaint with the CFPB, contacting my state attorney general, and seeking legal counsel. 

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 2023-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter from Bank of America today stating I had a forced closed on an account that I never opened. I called the bank and was informed that the account was opened in XXXX 2022. The fraud department stated that they are going to investigate. What I find odd is that someone else I know had the same thing happen to them recently. We do not have any mutual persons that could get both our information. So I am wondering if someone at the banks are opening accounts like I have read of happening at other banks.

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 2021-06-26
Company: SYNCHRONY FINANCIAL
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
An unauthorized money transfer on XXXX ( XXXX ). Two separate people same amount on " Paypal credit '' {$77.00} for internet for one, {$77.00} for insurance payment on other. Told them didn't by internet, insurance Contacted support an they denied my case on XXXX ( XXXX ) I have been with Pp for years and have told them never sent money to anyone. Pp says no unusual activity. This my second complaint for them in XXXX. They keep sending money and I can not shut it down. They will only put limits on $ XXXX Can not speak to a person. All computerized.

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 2022-08-12
Company: CITIBANK, N.A.
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:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: CITIBANK, N.A.
State: NY
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:
When I logged into my Citi XXXX XXXX account today, XX/XX/23, I saw that one of my purchases, for XXXX, with a charge of {$210.00} was eligible for the " Citi Flex Plan '' at zero percent interest. No fees were disclosed either on the offer or the confirmation. I signed up for the 36-month plan. However after I did so, I saw that the monthly payment of {$7.00} would amount to {$250.00}, indicating that there were in fact fees involved. I never pay interest on anything, I always pay in full, so there is no way I would sign up for this if I thought there were fees or interest. 

I initiated a chat, however the person did not understand the situation and gave me a number to call, XXXX. I spoke to someone named " XXXX '' who kept checking with a manager and insisted the fee is disclosed on the website. I asked her to point me to that and she was unable to. She gave me a long url that redirected back to my home page. On one of the times she put me on hold, I was able to locate a link for Citi Flex Pay, and I got this message : Access Denied You don't have permission to access " http : //www.citi.com/credit-cards/creditcards/citi.action? '' on this server. 
Reference # XXXX Ultimately I did get transferred to a manager named " XXXX '' who reiterated that the fees were disclosed but could not point me to anywhere I could see this disclosure. I told her I had downloaded the confirmation page for the plan which did not disclose them, as well as having received 3 emails which did not disclose them. At that point she said she would waive the additional {$35.00} as a courtesy, but by then I was very suspicious and did not trust that there would not be some fine print somewhere and I no longer wanted to associate with the company. 

I told her I wanted to pay my bill in full today and that I would no longer charge anything to this card. She took my payment of {$370.00}. 

I am disgusted by this fraudulent business practice and I believe you should investigate this and take action.

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 2021-06-28
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2019-06-21
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is in continuation to complaint XXXX which Quicken Loans has closed without providing a resolution. 
I have attached a document which is the estimate and it shows adjustment and credits of {$6800.00} and they never gave explanation of this amount. They said that the tax credits was {$5300.00} so if that is the amount then how come they gave me a document which shows {$1500.00} more credit and it can not be earnest money deposit as it is mentioned separately in both the documents. 

So now they are contradicting their own statement and they didn't answer any question what I asked. I never attached the document which shows {$5300.00} and I asked the explanation of {$6800.00} but they didn't mention it in their reply. So if the tax credit was {$5300.00} then that means they applied additional discounts in the initial estimate at least for the amount of {$1500.00} but they took it off when they saw that closing amount is less and I am asking for the same credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CITIBANK, N.A.
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-27
Company: MoneyLion Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I got ta notification from my XXXX XXXX app that a loan had just been reported under my credit history. I never applied for any loan. So I checked the credit karma app and I saw a loan of XXXX $ It was approved through money lion under my name, It was opened XX/XX/2021, I never applied for this loan and I only just found out about the money lion loan on XX/XX/XXXX when I checked my bank statement and I saw a transaction of XXXX $ and also XXXX $ from money lion. Thats how I found out a loan was active under my name. 
I have submitted a dispute through XXXX XXXX on XXXX XXXX. 
But I have also tried to call money lion company customer care but they dont help much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I sent you a letter over a month ago ( XX/XX/2022 ) but the errors I requested for you to look into are still there like you're completely ignoring me, I am not even getting any response from you people. I was told by a lawyer that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2019-06-21
Company: Experian Information Solutions Inc.
State: CO
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 am puzzled why these accounts show up on my credit report out of nowhere..It must be that someone use my identity..The account XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  # XXXX XXXX ) XXXX was fraudulently opened in my name..I did not make the charges..I am requesting that the item be blocked to correct my credit report ...

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 2023-01-04
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have inaccurate phone numbers I do not recognize on my credit report and would like them to be removed. These phone numbers belong to other consumers and I need them removed from my credit report immediately.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: OH
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2019-06-21
Company: Experian Information Solutions Inc.
State: NC
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 filed my initial dispute with Experian on XX/XX/2019 for several accounts. Upon completion of their investigation on XX/XX/2019, Experian claims that the furnisher verified the accounts. On XX/XX/2019 I requested method of verification to include a complete and detailed description of Experian 's investigation process ( see attached : XXXX ). I was met a refusal to reinvestigate ( see attached : Refusal to Reinvestigate ).

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