BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Made a purchase on {$980.00} on XXXX XX/XX/2023. The statement was closed on XXXX XX/XX/2023 and I would expect to be given at least 21 days to make this payment. But, I see that the statement that came on XXXX XXXX came with a {$20.00} interest that was charged on the {$980.00} purchase, which is totally unjustified. The bank acknowledged this as incorrect interest but I wanted to bring to your attention that such incorrect interest were charged and may be going unnoticed with so many customer. My account has an active 0 % Balance transfer balance on the account as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my XXXX Credit Card in Full to the 3rd Party Collection Agency and then once it was paid I contacted the original creditor asking for them to provide me with a receipt of the payment in full. I called in to obtain a paid in full letter from Scynchrony Bank I spoke with XXXX XXXX XXXX who stated they would not be able to provide me with a copy of a paid in full letter until 45 days although I have expressed that I needed it because I was in the process of obtaining a mortgage. I even contacted the third party collection agency who verified that they had already sent it to the original creditor. XXXX XXXX stated that I had already filed a complaint and I feel like this is in reiteriation regarding my previous complaint and I feel like this is in violation of my rights as a consumer. I paid off the balance I by right I should be able to receive my receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A payment was made on XXXX XXXX by a friend they paid off the full balance XXXX the payment went through my credit was available. Capital One approved the amount. I started using my credit card. On XX/XX/XXXX the payment was return I called my bank and they stated the person called their bank and cancel the payment saying it was fraud. The person made the payment by themselves they shouldnt be able to call and says its fraud if they were the one that made the payment so now my balance is over its limit XXXX and other pending charges keep going out. I try contacting the person they not responding. I didnt call their bank I have a XXXX job. This person made the payment themselves with their own account. I dont have access to their account. They are closing my account but said I need to pay the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received two separate calls from Fifth Third Bank on XX/XX/XXXX about a missed payment on my Equity Line of Credit account. I made the payment on XX/XX/XXXX using their online bill payment system. The payment was due XX/XX/XXXX. The bank was unable to confirm this but was able to take my payment during the course of the first call. Several hours later, I received another call asking to collect the debt again. The employees refused to provide any unique identifying information, and failed to disclose that the call was an attempt to collect a debt. They also refused to provide the NMLS number for Fifth Third Bank or themselves when requested. The first caller only identified themselves as XXXX. The second said his name was XXXX. This predatory collections activity is surprising to me from such a well-known institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023 someone stole XXXX dollars out my account and the next day they took an additional XXXX thats a total of XXXX I wasn't aware until I tried to make a withdrawal of XXXX dollars It was declined I tried a lower amount of XXXX it was declined I tried a lower amount of XXXXit was declined by this time I leave the drive through atm and pull over and check my account to find out I only had XXXX dollars left to my name..I contacted the branch to inform them of what was going on they transferred me to the fraud department ... They stared there investigation and denied my claim I reopened the case and filed again and now Im denied again ... Ive been banking with them for years my income taxes and work checks have been deposited for years into this account.They tried to tell me that upon there investigation that didn't find any errors... They proclaim only XXXX can be witdawn at an atm but they allowed someone to withdraw XXXX out 18 times at one atm which should gave veen a red flag but no they allowed for another 1500 to be withdrawn a second time... I trusted this bank for years and now Im trusting you can helo me retrieve my funds...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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 writing to file an official complaint against Equifax for its failure to respond and take appropriate actions following my dispute letter. On XXXX XXXX I sent a letter to Equifax to address the inclusion of alleged school loans on my consumer file, which I firmly believe to be in clear violation of several federal laws, most notably the Fair Credit Reporting Act ( FCRA ). 

In my dispute letter, I specifically referenced the relevant federal statutes, such as 15 U.S. Code 1681, 15 U.S. Code 1681a ( 2 ) Exclusions, 20 USC 1232g ( b ) ( FERPA ), 5 U.S. Code 552a, and 12 CFR 1022.3, highlighting the necessity of obtaining written consent before reporting sensitive information on a consumer file. Despite providing compelling evidence and supporting documentation, I have not received any acknowledgment or indication that Equifax has initiated an investigation or taken any appropriate actions. 

As an informed and vigilant consumer, I firmly assert that credit reporting agencies must adhere unwaveringly to the highest standards of compliance with the law. The unauthorized inclusion of the alleged school loans on my consumer file infringes upon my privacy and consumer rights in a flagrant manner. I have diligently followed the proper dispute procedures, and Equifax 's lack of response raises serious concerns about its commitment to regulatory adherence. 

Therefore, I urgently request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. It is imperative that Equifax be held accountable for its non-compliance with federal laws and that appropriate measures be taken to rectify this violation. I demand the immediate removal of the disputed information from my consumer file, and I expect Equifax to diligently abide by the FCRA and all other applicable laws to ensure the accuracy and fairness of my credit reporting. 

Enclosed, I am providing a copy of my original dispute letter and additional documentation which I believe will be instrumental in your investigation. I have full confidence that the Consumer Financial Protection Bureau will treat this complaint with the utmost seriousness and work diligently to protect consumer rights. 

I earnestly await a comprehensive and prompt response from the CFPB. Your attention to this critical matter is greatly appreciated. Thank you for your unwavering commitment to safeguarding the rights and interests of consumers like me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: DISCOVER BANK
State: CA
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 a fraudulent account on my credit report, which I reported to DISCOVER FIN SVCS LLC, yet DISCOVER FIN SVCS LLC is not removing this fraudulent account. Discover Bank has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet DISCOVER FIN SVCS LLC has refused to do this. The following is the fraudulent account : DISCOVER FIN SVCS LLC XXXX which was opened at an address where I have never lived at and it has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: OneMain Finance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had a desperate situation with family health issues. I just needed {$4000.00} to take care of business. I saw an add with OneMain Financial Bank. They wanted to give me {$30000.00} instead. Little did I know they would not give me the cash unless they wrap my car loan with the {$4000.00} I needed.

My wife and I had a {$25000.00} car loan with XXXX XXXX XXXX at a rate of 6 % for five years. An affordable monthly payment of {$440.00} Because of the {$4000.00} we needed, will be paying OneMain Financial the same loan at a rate of 18 % for five years ( {$760.00} per month ). 

I am having a lot of problems with my wife for turning OUR 6 % loan into MY 18 % loan. 
I desperately needed to resolve our issue and did not think what I was doing. This is financial terrorism. I hope you can help me lower this monthly payment since I am not working at this time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: TX
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: IN
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:
there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. i am requesting that the reporting of this information be blocked and deleted .my request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the identified transactions are not information related to any transaction by me as the consumer. : factual data finance other than personal date XXXX : XXXX : XXXX factual data other than personal : mortgage reporters XX/XX/XXXX : XXXX : XXXX factual data other than personal : miscellaneous reporters ; XX/XX/XXXX XXXX : : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : : XXXX XXXX : FINANCE OTHER THAN PERSONAL XXXX/XXXX/XXXX ; XXXX : : XXXX XXXX : MISCELANIOUS REPT XX/XX/XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX all files see attachment to follow ; ; you are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice i look foward to your response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
XXXX XXXX solicited me an offer for a XXXX  one capital one card, there was a promotional over if you spent XXXX in a 90 days period you got XXXX dollar reward, or spend XXXX in a period of time you got XXXX, I qualified for the XXXX, was given the card at a XXXX credit limit, I intentionally spent XXXX on the card called in to see when my XXXX reward would come, none of the customer service agents seem to know anything about the program they referred it over to the rewards program they investigated and then called me told me that I didn't qualify for the program I tried to explain to them that no I was qualified for the program I signed up for that particular rewards program and was given paperwork supporting that the lady was extremely rude when it allow me to speak to a supervisor make a long story short I ended up hanging up calling back was on the phone for over an hour and a half finally they found that I did qualify I have this on recording and I was told that when my next statement came out that I would be rewarded XXXX dollars, and she noted it in the account that I had just reached my XXXX mark and that's why the first lady said I didn't qualify, here I am past the 3-month mark I've called in several times customer service acknowledges that they see the note in my account and it sure me that it should be applied at some point after the 90-days.XXXX XXXX is still offering the same reward perks online now. The only reason why I applied for the XXXX  card was for that reward program that's what caught my eye the only reason why out of my for credit cards I put {$500.00} on that card during XXXX time was for the XXXX reward, they are offering promotions and not following through with what they offer that is misleading and wrong.ive had to call in numerous times and spent alot of hours dealing with this on the phone the rewards department will not acknowledge it but yet supervisors in the customer service department and other departments to recognize it have noted in my account I want what was offered to me and what I qualified for I have paid off all of my capital one cards and prepared to close all of the accounts over this matter I refuse to use any of my capital one credit cards until this matter is concluded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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
Consumer complaint received 2021-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have sent out certified mail to XXXX and I also disputed multiple times online through XXXX to get a fraudulent closed account of my credit report by Capital One Bank I have sent in a police report a ftc and a fraud affidavit report showing that I have been a victim of identity fraud I have Frozen all three of my credit bureau accounts and placed a security freeze. XXXX and XXXX has removed the fraudulent account but XXXX is giving me a very hard time and the runaround Capital One Bank also The fraudulent account and debt that's on my credit report has a total of {$440.00} it was opened XX/XX/2019 and it was closed XX/XX/2019 I have contacted them multiple times to remove this account because it's not accurate and it shouldn't be there if I have the information to verify that my identity has been stolen it should be removed and it's giving me hard financial hardship to obtain loans Etc I don't know the specific dates i have to dig up receipts in my email thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Experian Information Solutions Inc.
State: OH
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:
An account that can not be verified is listed on my credit reports. I attempted to contact the company, XXXX XXXX XXXX at the address listed on the credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Unfortunately, the US Post Office attempted to deliver the letter and found that the address does not exist. The letter is being returned to my home. A link to the tracking info is below. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter was sent on XX/XX/XXXX. During the investigation by Experian, the address for XXXX XXXX was changed to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
This tactic imposed by Experian has prevented me from contacting the business in a timely manner. In addition, the address in XXXX, Michigan has conflicting information listed in public records. According to the XXXX XXXX XXXX and whitepages, a company called XXXX XXXX , XXXX is listed at this address. Below is a link. 

XXXX 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 explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: CA
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'm baffled by the repeated denials of my identity theft claim. This situation is incredibly frustrating and exasperating, and I can't comprehend why this is happening. Who granted you the authority to dispute my status as an identity theft victim? I have a clear understanding of my own situation, and you are not in a position to act as judge and jury. 
According to the Federal Trade Commission ( FTC ), if I provide an FTC identity theft report filed with a law enforcement agency ( which happens to be the FTC ), you are obligated to take action. So, why are you not adhering to the guidelines? 
I'm extending one final opportunity for you to rectify this situation. Please delete this account : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation