BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
Company: CITIBANK, N.A.
State: CO
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:
We paid for a concrete pour service from XXXX XXXX on XX/XX/18 ( which would not take place until XX/XX/18 ). On XX/XX/18, we canceled the service ( there was no cancellation clause in the contract, and it was timely cancellation since it would not have taken place until XX/XX/18 ). Then we didn't hear back from XXXX XXXX despite many calls and emails. 

Our credit card company XXXX XXXX PREFERRED credited this charge at first but then reversed it - asking us to support with other information which we did throughout these past 2 months. They have since closed the case despite these circumstances : 1 ) We never got the service we were charged for. ( another concrete vendor wrote a letter to XXXX in our defense saying the work was never done ) 2 ) We tried to cancel timely. ( see contract - no cancellation clause ) 3 ) XXXX XXXX is a fraudulent company ( see the recent XXXX complaints, XXXX station in XXXX will also do a story on them about them ripping people 's money ) 4 ) We have provided everything possible that they have requested. 

Citibanks investigation did not even ask for the cancelation clause, even though that is why they initially ruled in the merchants favor. If they had done a proper investigation none of this would have happened. Citibank employees have told me numerous times to submit documentation, the claim was open all to be told later by a senior supervisor XXXX XXXX XXXX that none of that is true and after XX/XX/XXXX deadline nothing else mattered. They are very incompetent and had they discussed how the dispute should have been filed ( cancellation vs no services received ) we also would not be in this situation. Citibank blamed the rules on Mastercard/Visa rules about timelines, but they were the ones that caused this because they did not properly investigate. I am happy to provide more explanation because this should be a very logical dispute that should have ruled in our favor. 

Somehow the merchant and the merchants bank stated services were done, obviously not true and why would Citibank just accept that was true??

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 2020-05-22
Company: WELLS FARGO & COMPANY
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 have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had a CapitalOne XXXX sliver and my spouse passed away and I was unable to make to payments alone. It from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Woke up today ( XX/XX/2022 ) to an email saying an account was opened with Bank of America in my name, i contacted the bank and they closed the account but they werent able to give me any information. Im worried they have my social security number

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 2018-09-24
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XXXX, my wife and I received our mortgage payoff information from XXXX XXXX XXXX XXXX. The payoff instructions indicated final payment must be wired, or mailed cashiers check. I chose the former, being ( I assumed ) faster and safer. On XXXX, I went to the Krogers store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, as they were the nearest Western Union center. I provided the woman at customer service all the wiring information given to me. My payoff amount, {$590.00}, and the wiring fee, {$16.00}, came to a total of {$600.00}, which I paid with my XXXX XXXX XXXX debit card. When I arrived home, I went to Western Union tracking online, and entered the receipt 's tacking number XXXX, and saw that it was listed as " Received. '' Since it was Friday, I waited until Monday XXXX to call XXXX XXXX. I was told by the XXXX XXXX rep that they had not received payment, but it could take " a couple days. '' Wednesday XXXX, I called XXXX XXXX again. Payment not received. I was asked to scan my WU receipt, and email it to their research incoming dept. I did so when I returned home at XXXX XXXX. Very concerned, I called XXXX XXXX again XXXX. Payment still not received. The XXXX XXXX rep was very helpful in getting my final mortgage payment completed ( via our escrow ), and contacted WU while I was on the phone with her. After a lengthy process, she was able to connect to a WU representative. She gave the WU rep the XXXX XXXX wiring info he requested, and all of my wiring information. The WU rep assured me my money would be refunded, but " please allow XXXX hours. '' I was assured I would be contacted. I also filed a claim online with WU when I got home, supplying all information, and referencing the confirmation number the WU rep gave me. Being Friday afternoon, I patiently waited until late Tuesday afternoon, XXXX, before calling WU. I was told it was " still being investigated, '' and I " might want to have the sending WU branch trace it. '' I received an email from WU as a result of my filing online, essentially saying it was " up to the receiver '' to issue a refund. Basically, I was being given a massive runaround. The problem was with the woman at the XXXX WU apparently guessing at the receiver, and sending it to the wrong place! The XXXX WU told me I would " have to take it up with Western Union. '' Again, a runaround. I find it nearly impossible to believe that, in this digital age, a company as huge as Western Union ( {$5.00} billion revenue in 2017 ) can not manage to ascertain WHERE my money was sent, WHO received it, and REFUND my money to me promptly! I am patient, but my patience is not without limits. I hope that you office will offer me assistance, for which I offer my gratitude in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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 am sending a complaint in regard to a recent notification on my credit report. The information reported is inaccurate and is leading to a negative impact on my credit file. I am including proof and the information on the credit report is incorrect. Please investigate the late dates reporting on this account. The month 's reporting does not match my records. Please correct all late reporting on this account. XXXX XXXX XXXX XXXX : {$54.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Advance America, Cash Advance Centers, Inc.
State: WY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Contacted online support to request an Extended Payment Plan. When approved for payment plan, agent representative failed to disclose that payment had already been sent for processing ( a day before due date ). Agent and company approved my payment plan & I signed documents, for first payment due on XX/XX/XXXX. However on morning of XX/XX/XXXX, full payment amount was taken out. I contacted the company and they apologized for the inconvenience but said that there was nothing they could do. I immediately contacted my financial institution and requested an unauthorized charge claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
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 was a victim of identity theft, and there was a bank inquiry from XXXX XXXX on XX/XX/2018. That I'm trying to get removed off my credit report and XXXX file - that caused an incorrect address on my personal file to appear from this XXXX XXXX inquiry. 

I have tried calling XXXX XXXX branch where the inquiry came from. I called the branch more than one time to try and resolve this as well as the fraud hotline. Nothing has been resolved. I have supplied documentation of what is on my credit file. On XX/XX/18 when I talked with the XXXX XXXX at XXXX XXXX - XXXX, he says there is nothing that they can do on their end. 

I talked with XXXX XXXX, and XXXX ( Branch Manager ) to resolve this issue at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX I want this issue resolved, want the inquiry removed off my credit report. I'm more than happy to supply copies of police reports, other documentation to support this. 


Thank you!

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 2018-09-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have filed a report several times with all 3 credit bureaus. I have attached a copy of bills and reports to all the proper organization and I still can not get any help. I need to move and buy a home and all of this is holding me back. Please see the attached documents from FTC report, XXXX Police Department, I have a address that shows as both XXXX XXXX XXXX XXXX, XXXX OH, XXXX AND/OR XXXX XXXX   XXXX XXXX XXXX XXXX, OH XXXX THIS IS THE EXACT SAME ADDRESS!! Please DELETE/BLOCK/REMOVE the following items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , BAL. {$3100.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. FTC Report 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 non-monetary relief
Consumer complaint received 2018-09-24
Company: SYNCHRONY FINANCIAL
State: NJ
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 open a CareCredit Master card offered by Synchrony Bank in XX/XX/2017. It was offered to me by my dentist to help with my treatment bill ( ~ {$1000.00} ). My dentist 's assistant explained that as long as I pay a minimum payment, I will not be charged an interest. I went with an e-pay, and set up to pay my monthly payment on-line. By accident ( because I agreed that my dentist charged the card again ) I just realized that the offer had an expiration date on my account past by and I have been charged almost {$200.00} interest on my account. Synchrony never sent me any warnings about the expiration date. I tried to negotiate with them but was not successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
On XX/XX/XXXX I was charged for a late fee. I contacted Nordstrom card services and spoke with following my hospital stay as I was diagnosed with a XXXX XXXX diagnosis. I explained the situation as to why I was late on my FIRST PAYMENT EVER and was told that I wouldn't be reported late. I was assured the issue would be taken care of so i didn't follow up with a credit report until now. I followed that call with a payment once i was out of the hospital Upon checking my credit report I indeed was reported as late. I called and spoke with the credit reporting team at Nordstrom and they would not help, nor look into the concern or issue. I am trying to purchase a home and this is affecting Me because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: KEYCORP
State: WA
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 was a victim of identity theft, and there was a bank inquiry from Key Bank on XX/XX/2018. That I'm trying to get removed off my credit report and XXXX file - that caused an incorrect address on my personal file to appear from this Key Bank inquiry. 

I have tried calling Key Bank branch where the inquiry came from. I called the branch more than one time to try and resolve this as well as the fraud hotline. Nothing has been resolved. I have supplied documentation of what is on my credit file. On XX/XX/18 when I talked with the XXXX XXXX at Key Bank - XXXX, he says there is nothing that they can do on their end. 

I talked with XXXX XXXX, and XXXX ( Branch Manager ) to resolve this issue at : Key Bank XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX I want this issue resolved, want the inquiry removed off my credit report. I'm more than happy to supply copies of police reports, other documentation to support this. 


Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It have been way over 30 days and I have not received any investigation results.

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 2018-02-17
Company: Accelerated Financial Solutions, LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACCELERATED FINANCIAL SO XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This company contacted me twice claiming to be a legal " skip tracing service '' in XX/XX/XXXX and XX/XX/XXXX. 

They expressed that they were attempting to collect a debt on behalf of XXXX ( when I returned the call. 

I expressed to them very clearly that I have not had XXXX service since early in XXXX, 12 years ago. They expressed that they purchased this debt. 

I neither owe, nor recognize any debt to this company or XXXX. I was paid off with them when I closed my account in XXXX. 

Further, upon request for information to be sent to me about this debt, I was refused. 

This company has gone as far as to file this as a negative on my credit report. I am disputing this with the credit companies currently as a fraud. 

Per my understanding 1 statute of limitations for collections is 4 years and statute of limitation for credit reporting is 7. Even if this was valid, it would fall well beyond both of these. 

I am further concerned that I was unable to receive ANY written documentation from them when requested yet they had no issue placing this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOMETIME AROUND XXXX OF 2007 AN ACCOUNT WAS OPENED AT CAPITAL ONE BANK FOR XXXX DOLLARS. I WAS A VICTIM OF IDENTITY THEFT AND DID NOT AUTHORIZE THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I was the victim of a scam. I called the XXXX XXXX   Mastercard immediately and told them what happened, to not approve the charge and to cancel my credit card. Although I did not approve the charge I was billed {$290.00} on my XXXX XXXX Mastercard. I spoke with someone at the Fraud department who told me the charge would be taken care of and I would be sent a new card. Since then I have spoken to numerous people from the fraud and billing department. Each time I am told it will be taken care of. In XXXX I was told I would have to wait to sign an affidavit before I could get credit. I waited for this letter for three weeks. When I called a third time asking about the letter I was told there was no letter and someone would take care of it. Finally, on XX/XX/XXXX I spoke with someone from the Fraud department who said she would have it off my account in three business days. I waited and called back on XX/XX/XXXX inquiring about why the charge remained on my account. I spoke with a gentleman who told me he was not sure but believed it would take seven business days. Now, it is XX/XX/XXXX and the charge still remains on my account. I am tired and frustrated of calling this credit card company and nothing is getting done. I have never dealt with such an incompetent company before. I would not recommend XXXX XXXX Mastercard.

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 2017-08-10
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
EQUIFAX, XXXX, XXXX ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX I Got An Alert From XXXX And Paypal Both Alerting Me There Was A Failed Transaction Of {$130.00}. I Called The Non-Emergency Police Line Instantly, And They Told Me To Make A Report Here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOMETIME AROUND XXXX, 2014 AN ACCOUNT FROM SYNCB/XXXX WAS OPENED. I DONT KNOW THE AMOUNT BECAUSE I WAS A VICTIM OF IDENTITY THEFT.

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 2021-02-08
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have direct federal loans and have been paying under the IRB plan for years. Several of my payments which should be qualifying are listed as not qualifying on the site for several reasons. I emailed them about this several times over the past three years including twice in 2020. 10 payments are still listed as no bill and 8 are listed as pending manual review as they have been for months. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The credit bureaus continue to report inaccurate accounts on my credit report after I disputed them accurately. Im attaching all the info with this compliant so they can stop illegally reporting inaccurate info

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