BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive been complaining to thiscompany Ive been disputing I cant get through. They dont have a phone number. They wont respond. They wont communicate with me. I am not late. I pay this balance up. They are purposely messing up my credit report. Please look at this receipt and update my file. This is ridiculous. I am on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 I noticed two unauthorized charges on my credit card account. 

XX/XX/XXXX - XXXX XXXX XXXX - {$430.00} XX/XX/XXXX - XXXX XXXX XXXX - {$140.00} These purchase were not made by me and it is my belief that my credit card was temporarily stolen while in a foreign XXXX airport traveling for my wedding. I believe these charges are theft and fraudulent and are to the benefit of some unknown individual or merchant at my own personal expense. I can verify with certainty that these purchases were not made or authorized by myself or anyone I know. 

Upon realizing I had been the victim of these fraudulent charges, I immediately contacted Capital One to report the fraudulent activity and launch an investigation. To my disappointment, 10 minutes after calling them, they had sent an electronic letter stating they denied my claim without ever pursuing any investigative measures as they had promised. They simply stated that because purchases were made by me afterwards, that I would be liable for these fraudulent purchases. Capital One is refusing to protect against certain instances of fraud. Furthermore, they refuse to investigate the matter beyond an algorithmic, non-human analysis. 

CapitalOne should honor their advertised consumer protection promises and reimburse these unauthorized transactions. Furthermore, they should pursue an actual investigation as they promised they would in order to punish the merchant or individual who is taking place in illegal practices and theft. 

CapitalOne is not giving my report due diligence and is not willing to consider less likely scenarios that are nonetheless true and the result of unauthorized fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Applied for the credit card below with the new card sing up bonus was not given one. I was told capital one does not know the reason why but I don't get one. 
-- -- -- - New Cardmember Offer Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account openingfootnote22 -- -- -- - I satisfied all conditions and yet capital one refuses to give me the new member card sign up. I called multiple times to have the customer service explain why, but they don't know. I was told XX/XX/2020 by a existing account supervisor that what I saw under the application terms and conditinos changed once I clicked apply. because during the credit check process terms and conditions change. and I didnt get the " new card member sign up bonus '' since my " new terms '' that capital one generated when they approved for my card does not come with it. 

I as a consumer applied for this card reading and agreeing to " application terms and conditions '' I do not expect the compnay change the " terms and conditions '' during the approval process. 

I had a separate complaint for another offer not being granted for the same card. capital gave me a different term and condition sheet which I never saw or agreed to during the applciation process. Stating that 'this is what you agreed to '' but that is not the term I read and sign up for online. I applied through capital one website below where in the " application terms and conditions '' it clearly states new card sign up bonus will be granted as long as you satisfy the conditions which I do. 

https : //applynow.capitalone.com/? productId=9125

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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  and Transunion are reporting incorrectly that I am ( 60 plus ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have never missed any scheduled payments on this account. The lates that are reporting is incorrect and need to be removed from my credit report. I have contacted the bureaus to remove these 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 2022-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ive asked numerous times to not call me, then I asked to not call me on a XXXX. They call me everyday. 2-3xs daily XXXX  XXXX. Harassment is a understatement. Capital One

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Person filed an application for XXXX Rewards credit card with Comenity Capital Bank using my name and SS number or alternate number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have previously requested Chase not call me on numerous occasions, all of which have been ignored.

I received a call from Chase on Monday, XX/XX/2018 at XXXX XXXX  PST, clearly a violation of the FDCPA. 

See the attached screenshots from my phone, documenting the time they called.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a copy of my consumer credit report and have found XXXX XXXX XXXX reporting on my consumer report for an amount of XXXX. I do not have a contract with XXXX XXXX XXXX, this is identity theft. I have never received communications from this company nor consented to any transaction or contracts with XXXX XXXX XXXX. This account needs to be immediately zeroed out and deleted from my consumer reports. XXXX XXXX XXXX has to stop immediately reporting to all consumer reporting agencies. This is identity theft! This is a violation of my consumer rights and willful and knowingly intent. If XXXX XXXX XXXX does not cease collections attempts and zeroes out the balance XXXX XXXX XXXX will be charged XXXX for damages

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 2023-01-19
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Had a Gap Visa Synchrony credit card with an outstanding {$6000.00} refund. Once they were bought out by XXXX XXXX never got the credit! 

Claim Numbers : Synchrony # XXXX Previous Credit Card Numbers XXXX XXXX XXXX XXXX then XXXX XXXX XXXX XXXX XXXX # XXXX and # XXXX XXXX Complaint # 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 2023-09-02
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:
tried to upload my dispute my file was stolen and someone got credit cards and loans in my name please remove these accounts

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 2017-11-22
Company: LD Holdings Group, LLC
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company, LoanDepot, promised me {$3000.00} in cash back. That cash back was vastly reduced. The loan officer I spoke with said that they were breaking the law to offer me that money. I want to know if their refinance of my mortgage was illegal and if they owe me any money or damages. 

I am a 100 % service XXXX Veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: AZ
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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
The attached documents highlight my concern. I ask the bureau to launch an investigation into accounts where my timely payments are incorrectly recorded as late.

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 2022-09-03
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:
In accordance with the fair credit reporting act, Experian has violated my rights. 

15 U.S Code 1681 Section 602 states I have the right to privacy 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 I spoke with an anonymous Employee at Citizens One for my auto loan. 

I was trying to pay my car loan with my credit card. They advised me that was not a service they offered. I asked how to get my loan through another company. They gave me very general information and no direction to keep me with their loan. I was talking to the anonymous employee and they would not give me an ID #, Employee # or any kind of identification to refer back to. They were being very Discreet and evasive. I now have no idea of who I spoke with, what information they have or how to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
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 hired a credit repair person to fix and repair any errors on my credit report. 

After making contact with XXXX XXXX ... Experian, XXXX, XXXX, XXXX XXXX  removed an account in good standing that helped my credit score. However, they decided to leave an account that that had late payments but a {$0.00} balance and removed accurate info and original consumer statement. 

Latest dispute resulted in no changes and a generic consumer statement from a pull tab. 

This has unfairly hurt my credit rating as the good account balanced out the current account.

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 2020-03-12
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
On XX/XX/2020 ( or around there ), I called AMEX customer service regarding about my Platinum credit card which {$550.00} annually fees charged to my account. At that time I can't make decision to keep Platinum or downgrade to Gold card. Due to coronavirus, I think about my travel plan will be much less and think may be wait for another year and switch back to Platinum. However, I remember reading online I might have issue with bonus points I got from year before from upgrade to Platinum. Therefore, before deciding to downgrade I did ask the AMEX customer service member " Is it OK for me to downgrade to Gold? ", she replied there is no problem but I have to pay {$250.00} annual fees and I said I understand that. Recently, I got an email from AMEX stated that they took back my XXXX bonus points due to the downgrade!!! I called customer service number in the back of my card and explained to her my situation. She told me don't worry about it since I was misinformed and I have been doing business for 23 years and then she filed a claim for me. Today I read a message from AMEX to refuse to consider my case. I called back AMEX Customer Care XXXX which I got from chatting online with AMEX customer service. He tried but finally told nothing he or AMEX can do even I tried to explain him I was misinformed or it was a honest mistake since I trusted customer service. Finally, I even asked what should I do with a negative more than XXXX points. He said nothing beside using the Gold card until I paid off the points or my account will be default if I cancel it. Using a card which I don't trust anymore until to pay back all the points and don't know what next it could result in several annually of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian XXXX. XXXX  XXXX XXXX, TX XXXX I HAVE RECEIVED NO RESPONSE AND NO PROOF ON HOW YOU VERIFIED THIS ACCOUNT. ( XXXX XXXX ) YOU ARE REQUIRED BY LAW TO PROVIDE ME WITH PROOF AND RESPONSE. 

NO RESPONSE IS ADMISSION, WHICH MEANS YOU ADMITTED TO NOT VERIFYING THIS DEBIT AFTER ME CHALLENGING IT. 

THE FOLLOWING ACCOUNT WAS VERIFIED BUT NO verification was provided the only information you replied with remains/ your erroneous acts and illegal business practices have ruined my reputation as a consumer and i fully intended to pursue any litigation or taking you to court if this is is not removed or verified 100 % per law. 

Send me proof of how you verified Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX Unverified Account

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 2021-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am distressed that you have included the information provided in my credit report. You have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the reports you publish. Credit reporting laws ensure that bureaus only report 100 % accurate credit information. Everything in your power needs to be done to make sure this is true. Meaning every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts you post on a credit file. If not, anyone paying for your credit reporting services could fax, mail, or email in a fraudulent account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. Please remove these accounts from my file.

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 2022-09-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this XXXX complaint today to follow up the previous complaint I submitted last XX/XX/XXXX regarding the removal of the fraudulenty items reporting on my Credit report. I feel like the Credit Bureaus have not yet done their best at correcting my Credit Report from any fraudulent information. I am submiting this CFPB complaint under the provisions of the FCRA section 605b that protects a consumer 's rights from any fraudulent information reporting on my Credit Report. If the Credit Bureaus claim that the disputed items are items belonging to my name, I need the Credit Bureaus to provide me copies of documents bearing my signature to support the Credit Bureaus claims. And if the Credit Bureaus continue reporting the disputed items wihout providing me the documents I require, please understand I will seek legal action. If it is not that too much trouble, I need the following items to be removed from 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2022-06-04
Company: General Motors Financial Company, Inc.
State: GA
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 XX/XX/XXXX account # XXXX has violated my right 15 UCS 1681 Section 602 States i have the right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation