BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/2019 I called XXXX XXXX  to have my monthly car payments withdrawn on the XXXX of every month starting XXXX-19 until further notice. I went away for my birthday week and expected my bills and car to be automatically withdrawn as I was assured and told by XXXX at XXXX that I was all set up and my automatic payments would start XXXX-19. I received my XX/XX/2019 bank statement from my personal bank and saw my car payment did not come out. I immediately called XXXX and was told they have been having computer issues and will fix my account. I paid them XXXX XXXX as they said I was 33 days behind. I paid up in advance. The next 3 days o received a notice from XXXX   that o was two payments late. I called XXXX to fix this and another women told me I had to dispute this issue. Well I did to all 3 credit bureaus, the following day. I had update to my payment and Iam current but the late charge for XX/XX/2019 was not my mistake. I have been paying two years and excellent payments. This has hurt my further as my credit score dropped and I have had my credit scores in the 700s for my hard work, me being responsible and me paying my bills on or before my due date.

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 2020-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital one arbitrarily lowered my credit limit on XX/XX/XXXX, XXXX from XXXX to XXXX because I hadnt used it enough. I have an impeccable credit rating of XXXX which will be lowered due to this. I had planned to use this card to cover part of a very expensive cruise we were to take in XXXX, 2020, but the cruise was canceled. My wife spoke with Capital one today, and was told by a supervisor that the decision was final, could not be reversed, and nothing could be done. I am furious that my credit rating will be damaged by this. Furthermore, the supervisor informed me that this could happen to my other account, both of my wifes accounts, and that she would have no way to notify us until we received the actual letters, as I did today. This is reprehensible. Through no fault of my own, I am being penalized for being financially responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Will not provide free credit report to addresses other than those in the US. I am an American citizen, XXXX military veteran and live abroad and can not enter my foreign address to obtain my three free annual credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Will not provide free credit report to addresses other than those in the US. I am an American citizen, XXXX  military veteran and live abroad and can not enter my foreign address to obtain my three free annual credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, INC.
State: HI
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:
You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX/VXXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Will not provide free credit report to addresses other than those in the US. I am an American citizen, XXXX military veteran and live abroad and can not enter my foreign address to obtain my three free annual credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX , XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX   ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : 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
Consumer complaint received 2018-10-02
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
2013 I filed for bankruptcy on my business in chapter XXXX bankruptcy, my house in it and my mortgage lender sold it to Ditech, telephone number XXXX. Loan # XXXX. I did not included my home in the payment to the court and pay it directly to the Ditech, during the course of the bankruptcy they failed to contact me or my attorney of any changes to my loan as far as the escrow changes etc, the never want to talk to me even when my attorney gave the okay to deal with me directly. The fixed amount that was transferred from the old lender was changed immediately my bankruptcy was over and they are claiming I missed payments which they can not prove. I have tried so many times to resolve this but we never reached anywhere.. please intervene to resolve this on my behalf.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XXXX, I made a final payment of {$33000.00} to Bank of America to close out my business credit card. I asked them if this included all residual interest. They said it did. I had a XX/XX/XXXX balance. 

On XX/XX/XXXX, they took {$390.00} from my son XXXX 's checking account, which was linked to mine. I reimbursed my son for this, because they told him it was my business card. 

I called them on XX/XX/XXXX. They told me that I had an outstanding balance of {$1800.00} which included transactions & interest that happened after the account had been closed on XX/XX/XXXX. I asked them to remove the unauthorized charges immediately after the account had been closed. They refused.

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 2023-06-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have inaccurate information on my credit repair that need to be removed as soon as possible! The credit bureau hasnt responded or did not handle the situation correctly! They are violating my consumer rights! The fair reporting act states that all information has to be 100 % percent accurate! The fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I sent In documents supporting my case! XXXX, XXXX, Equifax has violated my rights and housing illegal information that is causing me hardship! 
Account number thats needs to be removed or Ill be forced to take legal actions is. 
XXXX XXXX acct XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX acct number # XXXXXXXX Addresses thats not mines I never lived here is XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had a Capital One Journey card since XX/XX/XXXXof XX/XX/XXXXand as of XX/XX/XXXX Capital One has closed my account because of returned payments and i have a new bank now and so i have paid off my Capital One bill off my account. I also have a XXXX card that i have always made payments on and never had a problem before. My latest XXXX XXXX  score as of XX/XX/XXXX is XXXX. I have made on time payments on my Capital One and XXXX. I always have made sure that my bill is paid because i am a XXXX and need to make sure its paid off. I can not be approved for a new credit card because of this issue i have applied for a Capital One SavorOne card and was denied because of this issue. I would like to either be approved for a SavorOne card or have my Capital One Journey card account reopened. I have already contacted Capital One support and they couldn't help me until i got my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
See attatched XX/XX/2019 USAA statement. First page CONFIRMS CREDITS XXXX  {$200.00} {$280.00} {$150.00} XXXX {$230.00} Next page Continues with $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX ( TOTAL CREDITS SHOWN with minus signs above total line FOR THIS PERIOD IS TRUTH ** IS AN INCORRECT TOTAL OF THESE CREDITS. CORRECT TOTAL IS {$2.00}, XXXX. WHY IS USAA IS MISSING {$1.00}, XXXX CREDITS. USAA TOTAL CREDITS THIS PERIOD ARE ONLY {$910.00} all merchants credits. THIS IS INCORECT MATH. THIS IS SUPPOSED TO BE A ** TRUTH IN LENDING STATEMENT. USAA DECEIVES. ( USAA ONLY PRETENDS TO GIVE CREDITS BY LISTING THEM ) ** Kindly Note with cute little ( - ) MINUS SIGNS that ARE NOT INCLUDED IN TOTAL CREDITS. Then REVERSES MERCHANTS CREDITS AS USAAs LEAVING CONSUMERS WITH THE ORIGINAL FRAUD AS IF MERCHANTS CREDIT WAS NEVER PROVIDED. HUH?? USSA POSTS A NEW TRANSACTIONS FROM CREDITS NOT APPLIED??? HOW DECEPTIVE??!!! THIS IS NOT TRUTH IN LENDING FAIR CREDIT!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, INC.
State: HI
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:
You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX... If you do not remove it from my record, please provide me with written proof of every detail shown in your entry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: SYNCHRONY FINANCIAL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
sams club credit card payment was made on XX/XX/XXXX and my billing cycles end on XX/XX/XXXX. They do not award the payment for the month of XXXX and they bill me high charges. call customer service and they tell me that they can not reverse it that I must pay the invoice. the minimum payment is XXXX and they are billing me XXXX dollars. when the payment was made on XX/XX/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 2020-05-15
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$4400.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX AR XXXX {$1300.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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:
A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts inquiries and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

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 2020-05-15
Company: CITIBANK, N.A.
State: OR
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:
I purchased a new piano. This piano was delivered with a defect. Salesman said that it could be exchanged with a new one. That exchange occurred, but we were given a used showroom floor model. We went back to the store, saw that the showroom model was missing, and asked for a refund. Merchant refused to refund. 

We disputed the charge with Citibank Visa & provided them evidence of what happened. Citibank went to merchant and asked for credit on this charge. But merchant refused, and Citibank sent a final letter to me saying " since we are unable to obtain compensation from the merchant, your account has been rebilled ''. 

Citibank initially agreed to my response/evidence and asked merchant for credit. But if merchant refused the chargeback, then why is Citibank rebilling me? 

According to the cardholder agreement, I have a right not to pay this amount. I am considering bringing this case to 3rd party arbitration, which is my only legal path of escalation left. I do not want to pay the amount under dispute, but Citibank 's dispute center representative said that I must pay if I did not want to incur interest charges. I am afraid that if I paid the disputed charge, I'll lose my billing rights which says : " ... you may have the right not to pay the remaining amount due on the purchase '' provided that " ... you must not yet have fully paid for the purchase. '' Can you help get some clarification from Citibank on why they are billing me if the merchant is at fault? And if this is pursued under 3rd party arbitration, is there a way to issue a conditional credit so that I do not have to incur any penalties while this is being arbitrated? 

Sincerely, XXXX XXXX Citibank dispute ID : 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 2019-08-17
Company: EQUIFAX, INC.
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:
You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
You need to get this XXXX  off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. 
XXXX/XXXX XXXXXXXX****, XXXX/XXXX   XXXX**** , XXXX XXXX XXXX XXXX****, XXXX XXXX   XXXX****, XXXX/XXXX XXXX****, XXXX/XXXX   XXXX****, XXXX/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 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 2020-09-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a late payment notice on my credit history report for paying XXXX XXXX a day late and would like that removed because I tried to pay a day prior and their site was running slow. The payment XXXX sent to collection isnt fair because the hospital that charged me didnt ask for my insurance. XXXX card is charging me for money they already had!

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 2018-09-21
Company: JPMORGAN CHASE & CO.
State: IL
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:
II have a charge on my account for {$2.00} with XXXX XXXX XXXX and I did not make the purchase of {$2.00} with XXXX XXXX XXXX. I went to a chase branch and was told that it was going to be disputed around XX/XX/2018. I was told by Chase on the phone on XX/XX/2018 to call XXXX XXXX XXXX pertaining to the charge. So, I called XXXX XXXX XXXX and spoke to a Manager Name XXXX XXXX who advised me to dispute it with Chase. I then Called Chase back and spoke to a Chase Manager Name XXXX who was rude to me and refused to file a dispute regarding the XXXX XXXX XXXX  charge. I then asked to speak to another manager several times and that was refused. Then XXXX hung up the phone on me. I also was told by chase to close my debit account and I declined. I just want my dispute to be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was a loyal customer from Chase Bank for 6 years and for no reason that I can think of they closed down all my accounts my checking saving and all my credit card accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, INC.
State: CA
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:
Y ou need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX XXXX.. If you do not remove it from my record, please provide me with written proof of every detail shown in your entry

Company response to consumer: Closed with explanation