BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-29
Company: CITIBANK, N.A.
State: TX
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 was warned by my card company ( by phone ) that two XX/XX/XXXX resort charges for {$1100.00} and {$600.00} looked like possible fraud. I informed the card representative that my daughter and I did not make these charges. He cancelled our cards. Later, I receivied a card bill for XX/XX/XXXX-XX/XX/XXXX that still had the two resort charges. I called a card representative and told him the two charges were on my bill. He cancelled our cards again. Next, I received a card bill for XX/XX/XXXX-XX/XX/XXXX that still had the resort charges and interest on those charges. I sent my letter of XX/XX/XXXX to the card company complaining and asking removal of the fraudulent charges and interest from my account. I then received the card bill for XX/XX/XXXX-XX/XX/XXXX with the fraudulent charges and more interest still on the bill. I sent my letter of XX/XX/XXXX complaining and requesting a reply by XX/XX/XXXX. I then received the card company XX/XX/XXXX letter stating : " Per our records your account was issued a credit from the merchantin the amount of {$600.00}. Therefore, we have billed your account {$600.00}. This correction shows on your XX/XX/XXXX statement. We now consider this investigation complete. '' I then sent my letter of XX/XX/XXXX saying I had not received a credit of {$600.00} from the resort. The card company then replied by their letter strangely dated XX/XX/XXXX saying I was previously rebilled for the {$600.00} charge, and they had recredited my account for this amount. The adjustment would appear within one to two billing cycles.The card bill for XX/XX/XXXX-XX/XX/XXXX showed the {$600.00} credit, but it showed a balance that included the original fraudulent charges plus interest. ( I admit that I did not initially notice that the original fraudulent charges were still included in the balanced owed. ) I then sent my letter of XX/XX/XXXX saying that my card bill should only contain my current charges. I want my futures billings to only show what is owed from current charges and no interest. I always pay the full blance that I owe on my cards ( minus fraudulent charges ) so that I never incur any interest.

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 2021-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XXXX of XXXX I was the victim of identity theft. 
Capital One Auto took two unauthorized withdrawals ( ACH ) from my checking account XXXX at XXXXXX/XX/XXXX in XXXX Wisconsin. The first on XX/XX/XXXX for {$1300.00} Capital One 's reference number on that withdrawal was XXXX XXXX. The second on XX/XX/XXXX for {$1300.00} Capital One 's reference number was XXXX XXXX. I contacted Capital One and they siad I should fax the documentation to XXXX which I did on XX/XX/XXXX. They told me it would take up to 45 days to get my money back. I never received the money back. On XX/XX/XXXX they attempted another ACH in the amount of {$1300.00} their reference number Carpay XXXX. My bank refused the transaction. 

I did file a report of identity theft in XX/XX/XXXX with the FTC and my local police department. 

I waited 45 days to follow up on my claim with them but I did not keep a log of my calls. I should have, but all of them ended up with me not getting to talk to a person that could or wanted to help me. 

I attempted to contact Capital One ( numerous ) about the status about the first two withdrawals but all attempts to get help failed, no one said they could help. After voice prompts and finally getting to talk to a person several times they said they would transfer me to someone who would help, but all I got was 15 minutes of music each time, then 3 clicks and the call ended. 

I again faxed them on XX/XX/XXXX ( the number they gave me back in XXXX ) and asked for them to contact me, and I lincluded documentation for all three fraudulent ACH 's. I am not getting any response. 

My attempts to talk to someone at Capital One yesterday XX/XX/XXXX and today XX/XX/XXXX also failed to get any action or hope of contact. 

I did recover unauthorized ACH 's from numerous other companies and banks back in XXXX, but nothing from Capital One Auto. I am frustrated that every time I attempt to call them I get a dead end. Clearly they can tie these withdrawals to the person that initiated them and apparently they didn't even bother to investigate my first claim or flag the loan that the payments were paying as suspicious. 

My original fax to Capital One only contained documentation for the first withdrawal, I mistakenly assumed both would be refunded, but neither of them were refunded. 

Clearly they are able to identify the person that initiated the withdrawals but obviously they don't care to. They a facilitating theft. they claim to care about fraud, but they don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I SENT IN A DISPUTE REGARDING SOME NEGATIVE ITEMS I FEEL ARE INCORRECT AND SHOULD NOT BE REPORTING AND EQUIFAX DID NOT RESPONS THIS DISPUTE WAS SENT IN ON XX/XX/2018 AND STILL I HAVE RECEIVED NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PORTFOLIO RECOV ASSOC is reporting a major derogatory item. I never had any XX/XX/XXXX XXXX credit card and they keep trying to charge for this debt as a third party collection agency for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Pre-approved for auto loan at 3.23 % for a new car XXXX model year for up to XXXX XX/XX/XXXX USAA member # XXXX Confirmed the rate on XX/XX/XXXX at 3.23 %. Had to verbally go over the terms of the deal with USAA Submitted request for payment forms to Dealership {$61000.00}. 

Received a call from USAA that since it was a XXXX new USAA would not longer honor the confirmed rate and had to raise it 3.58 %. 

USAA refuses to honor the original confirmed rate. Please explain how this is not a bait and switch

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX RE : Transunions failure to physically verify the originally signed consumer contract of the three below fraudulent accounts, has hurt my ability to obtain credit. 

To Whom It May Concern : TransUnion This letter is to inform Transunion that you are reporting inaccurate and incomplete credit information on my Transunion credit report. 

Listed below are the three fraudulent accounts that must be removed from my TransUnion credit report. These accounts were also, removed from my XXXX  and XXXX credit reports which I have attached. 

1. XXXX XXXX  Account # XXXX {$1800.00} XXXX XX/XX/XXXX 2. XXXX Account # XXXX - {$1900.00} - Open XX/XX/XXXX 3. XXXX Account # XXXX - {$16000.00} XX/XX/XXXX 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, any and all accounts that you post to my Transunion credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts. 

Transunions failure to physically verify the originally signed consumer contract of the three above accounts, has hurt my ability to obtain credit. 

Under the FCRA, if Transunion is unable to provide me a copy of verifiable proof, you must remove the accounts listed above ; as they were opened fraudulently in my name. I XXXX XXXX demand that the above accounts be removed from my Transunion credit report immediately ; as they were removed from my XXXX  and XXXX  credit reports. 

Transunion, must reflect and maintain an accurate and complete credit profile identical to XXXX  and XXXX  credit reports. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2021-01-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I received a notice that I did not have proof of insurance. I then submitted proof that I had insurance, but they force placed insurance for the time that I was unable to prove. They stated that I signed a document that they still have failed to show me where I signed for this. Select Portfolio Sevicing sent me a notice and an amount of XXXX for insurance that was back dated. They charged my account XXXX. How is a company allowed to charge for insurance on dates that have already past with no claims? Also, I have paid out of pocket for claims that I could have submitted. In conclusion, I am still waiting for my proof of signature that would even allow to back date insurance. 
If this is legal, then I would like to take out life insurance on family that past away!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: WV
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 realized my credit file was mismerged with a close relative, who, happens to have a similar name and middle initial. While the relative has a comparable name, their gender, birthdate and SS number are entirely different from my own. Furthermore, my relative 's address differs from my own as well. 

I filed a online dispute with Equifax. On the same day I dispatched a dispute email to the credit reporting agency. Shortly after I initiated the dispute, I received notice the reinvestigation was " complete. '' The notification from Equifax stated my ( new ) report was available for " review. '' After I reviewed the ( newly issued ) credit file I was surprised to learn the CRA failed to delete the inaccurate information. Simply, my family members personal identifying information continues to linger in my ( mixed ) credit file. 

I notifed Equifax on several occasions my file was " mixed, '' however the CRA ignores my claims and fails to delete the inaccurate data. Equifax reported, shared and continues to spread unreliable data for a fee. Instead of verifying the information and creating a new file, Equifax muddled our data together. 

I have evidence of the merged data, the correspondence of both parties, as well as the confirmation numbers pertaining to the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, 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:
I submitted a dispute and affidavits, I got a response accusing me of using a credit repair company. I am very offended because, I feel as if I am being accused of being incapable of disputing information on my credit report on my own. I've educated myself and I see how you guys are in violation with credit reporting and I dont appreciate the hardship these inaccurate reportings have caused me. I demand these FRAUDULENT accounts be removed within 30 days. I also demand a response from the bureaus in 10 days. If I dont get a response in a timely manner, I will be filing a complaint with the office of the Attorney General. This is Very insulting and it seems to be a stall tactic to delay this FRAUDULENT info from being removed from my credit. I understand the benefits of bureaus reporting inaccurate info because that means more revenue for the bureaus. You guys have abused me long enough. I DEMAND THESE ITEMS BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: American First Finance, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this is against american first finance and XXXX XXXX XXXX XXXX.. i was financed through american first finance and purchased merchandise through XXXX XXXX XXXX XXXX  i did not receive all of the merchandise but both parties were telling me otherwise. i was supposed to receive two twin beds with everything but that was not the case. they conned me. and lied to me and wont close out my account with american first finance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07
Company: ID Analytics, Inc.
State: PA
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:
Consumer report obtained from SageStream LLC showed incorrect information due to identity theft. I contacted SageStream on XX/XX/21 to dispute the information. I was told it takes 30 days to investigate. It is 42 days now and I have not heard anything from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: SYNCHRONY FINANCIAL
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
telephone # XXXX called saying I owed to XXXX so I wrote check out and mailed for Synchrony. Thought nothing of it because I had XXXX card. Month later got call saying I owed {$110.00}. Knowing I didn't, and researched and Synchrony was not my Credit Card bank, but XXXX was. I am not going after my first payment, but wanted to let more people know how you can easily be scammed.

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 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom it may concern I am starting a new job and I recently had a security check on my background and addresses found out that the are inaccurate addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX XXXX, SS XXXX. My current and only address is XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX. 
Please delete the following addressses they are not mine never lived there : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers : ( 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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion reported 15 unauthorized inquiries on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXXXX/XX/XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! XX/XX/XXXX TransUnion andXX/XX/XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

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 2020-05-27
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: JPMORGAN CHASE & CO.
State: OR
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:
I was booking airline tickets through chase travel. Chase travel advertises two fare classes, 1. business and 2. business flexible. The difference they advertise is that if you pay more for business flexible than your ticket is refundable. I spent over an hour on the phone clarifying this when booking the tickets in XXXX. This is false and misleading advertising as today I find out my tickets are not in fact refundable and now I have to jump through hoops with Chase to even get the fare difference back. I am astonished a card like chase is misleading customers this way but I guess we exist with capitalism.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: SYNCHRONY FINANCIAL
State: WI
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: Overcharged for something you did purchase with the card

Complaint:
this is part of complaint ID XXXX I paid PAYPAL CREDIT 2 payments of {$5.00} and {$66.00} to have my credit limit under so I could make a purchase to XXXX well as you know the scum PAYPAL took the funds directly from my bank account. So on XX/XX/2021 I called to request a REFUND of these funds. I was told by that account manager CONFIRMATION XXXX that she initiated the refund. On XX/XX/2021 I spoke to XXXX XXXX that stated that my REFUND WAS INITIATED on XX/XX/2021. Ok ... ... ... ... .that is 3 business days later. I called TODAY and the agent stated the check has been INITIATED JUST TODAY. At first he said its been mailed. So I said then please provide the check number. Nope. He said oh I meant initiated. I feel I am being LIED TO and given the RUNAROUND. I asked to be connected to a supervisor. I was on hold then was hung up on. I WANT MY REFUND ASAP.

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