BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: KEYCORP
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, XXXX and XX/XX/XXXX, I contacted this bank and asked them to unlock my account due to no proper findings for investigation. They responded with mockery and harassment by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This complaint relates to a prior dispute with Capital One regarding my checking account, CFPB complaint # XXXX, which has been closed without a satisfactory resolution on my part. My complaint was submitted to credit my Capital One checking account with {$3000.00} that was deposited by Capital One to their own account and not to any of my Capital One accounts. Instead, on XX/XX/2023, they debited my checking account {$3000.00}, leaving me instead with a net debit of {$6000.00}, the amount which Capital One then owed me. Then, as stated in their letter of XX/XX/2023, on XX/XX/2023 Capital One credited our credit card {$3000.00} and on XX/XX/2023 they credited our checking account {$3000.00}, 'reversing their previous error '. In the meantime on XX/XX/2023, seeing that my credit card was credited for {$3000.00}, I asked Capital One to close the credit card account and asked for a credit balance refund of {$810.00}, which I did receive, # XXXX. Then, instead of closing my credit card account, on XX/XX/2023, Capital One debited my credit card {$3000.00}, which it continues to insist that I owe with late fees and interest charges. Their accounting has never allowed me to recover the {$3000.00} that Capital One has stolen from me! I have spent countless hours on the phone, often speaking with untrained representatives who will not attempt to understand my problem, trying to resolve this issue. I have filed a claim with Capital One that the XX/XX/2023 debit of {$3000.00} to the credit card was fraudulent on their part and have requested that the debit and all interest charges be reversed. I have not received any reversal of credit card charges or other response to date. Capital One still owes me {$3000.00} and restoration of my excellent credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Greetings, - I had an account with Barclays Credit Card since XX/XX/XXXX and my interest rate has been 22.24 % APR. 
- The account was in very good standing till 3 days ago. 
- I had never received my Barclays Credit Card Statement in mail as I usually do.

- Bank Claims that they mailed it to me ( Their word against my word ).

- I got a call from the Barclays Credit Card requesting a call and that the account was past due. 
- At point I immediately called l to Barclays Credit Card and made the payment XXXX. 
- I looked at the statement and found that I had a Past Due amount of {$65.00} statement ending XX/XX/XXXX - Furthermore, I talked to several people regarding this Interest issue in the chain and they must have updated the entry in the Barclays credit card account I have, and this is what I found. 
- 3 people out of the 4 I talked with XXXX XXXX, Missed the name of the next person and Manager XXXX ( I think that is her name ) all told me that my Barclays Credit Card Interest rate is 22.24 % DAILY. 
- I conformed with each of them and they each said 22.24 % daily. WoW there is a Training gap there. 
- Finally, I got XXXX who is also a manager, said the Barclays Credit Card Interest rate is 22.24 % per year not per day for may account. 
- XXXX was nice and understanding and tried to explain the math to me but still does not make logical sense. 
- I asked XXXX for a written break down and that could not be provided. 
- I understand the late fee, but what dont agree and understand is the Rip Off Interest of {$17.00} for a past due amount of {$65.00} - So, I did some simple math - {$65.00} Past due 30 days 22.24 % APR interest should be 22.24 % / 365 Days = 0.06093151 per day x 30 days = {$1.00} in interest till the next billing cycle - What I fail to understand that Barclays Credit Card charged me Interest on the amount that was waiting to be part of the next months statement still in process for this month. 
- I dont mind paying reasonable interest ( {$1.00} ~ {$3.00} ), but what they charged me {$17.00} - I feel there is some illegal activity going on and needs to be addressed. 
- Barclays Credit Card company can not charge interests on balances that are not come due till the billing cycle. 
- I am planning on paying off the card to avoid asinine, un-regulated and high Dollars in interst - I am requesting a full investigation on this issue and would like a call AFTER  XXXX Pacific Time at XXXX from CFPB and the Barclays Credit Card Thanking you in advance for helping me with this issue. 
Mr. 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 monetary relief
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: LA
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 fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : Dept of EDXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX  XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2022-04-04
Company: DISCOVER BANK
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:
It has been a battle going through this and I am writing to delete this fraudulent information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX  showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. 

DISCOVER FIN SVCS LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: CBC Companies, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There's inquires on my Report that i don't recall or recognize and i need to come off my credit because i don't recall consenting to any authorization on my Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
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 I noticed a charge on my Truist XXXX and immediately filed a claim for it when it posted on XX/XX/XXXX claim XXXX. The charge was {$1200.00} for a plastering company in RI. I live in FL have no idea who the company and have never done business with them. When the claim was filed Truist stated they would investigate it, send me papers to sign for the dispute, block the card and reissue it. They also stated, it would take about 14 days for the claim to resolve. While the transaction was under investigation the amount would be deducted from my current balance, would not affect my minimum payment amount and I would not be charged interest on the card. I followed up on the claim on XXXX was then told I would need to wait longer for the dispute to resolve, and brought up the fact the amount was still in my balance, accruing interest, and affecting my minimum payment amount. On XX/XX/XXXX I noticed two additional fraudulent charges were made on the same account with the card that was supposed to be blocked and reissued. I confirmed with the representative that the card in question was never blocked and reissued and the charges were allowed to post so I filed another claim for those XXXX. I again questioned the resolution of the original claim XXXX made back on XX/XX/XXXX. I was told the claim could take up to 2 statement cycles. I have two statements one for XXXX one for XXXX both have the {$1200.00} amount showing, accruing interest, and affecting payment amount. I have lost all confidence that this claim will be resolved correctly, and me made whole as a consumer. Please help.

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 2021-09-09
Company: OneMain Finance Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
When pre-approved for the loan on XX/XX/2021 for {$9000.00} to use to pay off credit card debt, it was not mentioned in the application process or pre-approval notice that my current loan with them ( XXXX ) would be paid off first and the remaining amount be distributed to me. Because of this I have hard credit pulls for a loan that I am no longer willing to take. If I would have known this prior to submitting the application, I would not have completed the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Absolutely discusted with XXXX XXXX and the scam they are guilty of for incorrect auto loan payments and house loan payments among other scams they have been found guilty of in a class action lawsuit keeping my credit rating labeled as junk in the low 500 range for 4 years and costing me $ 1000s in interest rate charges required down payment etc..

I'd like help getting paid from the settlement as I've only received a shotty short apology letter for any inconveniences this has caused with no mention of payback

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX Disputed inaccurate late payments with Transunion for my accounts listed below : XXXX XXXX Acct : XX/XX/XXXX ( 30 days late ) *XXXX acct XXXX $ XXXX ) XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( XXXX late ), XXXX ( XXXX late ), XX/XX/XXXX ( 30 days late ), XXXX ( 30 days late ) & XXXX ( XXXX late ) XXXX acct ( {$4200.00} XXXX ) XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( 60days late ), XXXX ( 60days late ). I did not receive an update in regards to the results of the dispute nor did I receive information on how they obtained or verified it. According to the FRCA LAW, credit bureaus are to report accurate and verified information. Because they are falsely reported derogatory information on my credit report I want these late payments removed and updated as paid as agreed. After reviewing my credit reports with XXXX, Transunion, & XXXX I noticed that all three bureaus are reporting inaccurate derogatory information on my credit report. They are also not following the proper payment history legend which consist of the pattern of XXXX & etc.

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 2019-06-28
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:
Ive noticed that after I dispute some information the Credit Reporting Agency ( XXXX, TransUnion, XXXX ) like to leave comments on each account.

I have asked them in multiple letters to remove ALL comments from each account, especially the words, Dispute Resolved - Consumer Disagrees or Consumer disputes after resolution and Comments that include the payment history??? Why is this even necessary, these comments are intentional AND detrimental to me personally, financially, and to me advancing my career.

I have NEVER asked that these statements be made on my behalf. These statements/comments should be erased 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 explanation
Consumer complaint received 2018-04-10
Company: Flagstar Bank, N.A.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went into bankruptcy in XX/XX/2017 to save my house from Flagstar Bank - I've been making on time payments and because of my error with choosing my medial insurance ( I am paying a lot of money out of pocket ) I was thrown off bankruptcy, but still making the payments, and actually I pay it the month before every 2 weeks. In XX/XX/XXXX through XX/XX/XXXX I received 3 separate packets that was the loan modifying paperwork and took them to the bank and had them notarized. The beginning of XX/XX/XXXX I received a check from on of my payments labeled miss-applied funds. No letter or detail of why I received, nothing but the check and when I checked my credit score they put the what I owed back on it no longer abiding with our terms.

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 2023-06-29
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-03-20
Company: Alorica Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I believe in XXXX I opened a loan with XXXX that was offered as a grow plan. You technically borrowed a certain amount but only received half while the other half went in a savings account. In XXXX XXXX transferred these loans to a provider called SST. SST never had information about the savings account as it still shows locked with XXXX. I paid off my loan on XX/XX/XXXX of this year and that starts the process of getting the money that is rightfully mine that I had to pay interest on for almost 2 years. I called today XXXX days after payment and was told that when customers pay off the loan they are put on a waiting list to receive their funds. This process takes XXXX days is what I was advised. Besides the fact that the company charged interest on money never received during the loan process and now holding the money after loan is paid off with no interest paid to me the customer who has had a savings account that actually lost money. I want them to acknowledge that this practice of holding on to the customers account for said amount of time is wrong when they fully know that payment was made, always on time and the final payment cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Certegy Holdings, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Was denied the ability to cash a check based on information provided by Certegy. Requested my file and there is nothing in the file, so not sure why the transaction was denied and how to resolve this again.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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