BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, this is the 2nd time I have filed a complaint with you against Experian. I am a victim of identity thief. Someone used my identity. I sent Experian my complaint through the mail, along with my state identification and social security card. I also sent a police report along with a copy of my FTC report. I mailed these documents certified mail, only to get a response from Experian stating they think it was a mistake, that the documents were sent in error. I filed disputes again online and now Im here filing a complaint against them again. I just filed the same complaint only to have Experian say once more that they do not believe I am making these complaints. I enclosed a piece of mail I received that one of the creditors in my dispute sent to 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 2020-05-08
Company: Advance America, Cash Advance Centers, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
back in 2006, I had a payday loan with Advance America it went to court in XX/XX/2006 and was decided and closed. Case number XXXXI am in the process of trying to get home and Advance America has continued to report to Indiana loan that I owe {$200.00} I contacted Advance America and they refuse to take it off stating they have no information this was discharged. And that the debt is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers.

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 2020-07-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been a Chase Customer for over 10 years. I usually send wire transfer to my family abroad through the bank lobby. But on XXXX/XXXX/2020, I was turned away at the bank and asked to send the wire transfer by myself using the Chase App. The reason given was that my branch at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas was temporarily closed and other bank lobbies were closed due to Covid-19. And so I was forced to attempt this transaction by myself for the first time without any help or tutorial videos. The wire transaction details are as follows : Wire Date : XX/XX/2020 Wire Amount : {$400.00} Wire Transaction # : XXXX Wire Reference # : XXXX Unfortunately while conducting the transaction, I entered the recipient 's account number wrong. I noticed this immediately after I sent the wire. Since Chase Bank disclosure on the website allows corrections to be made within 30 minutes of sending a wire transfer without any fees or penalty, I immediately called Chase Bank customer service and requested an amendment to my wire transfer to correct the error. The XXXX # for that phone call is XXXX. I was told by the agent that someone from the Wire Department will reach out to me within 24 hours to validate the request. By the end of the next day I did not hear from anyone at Chase Bank so I called again on XXXX/XXXX/2020 and was advised by another agent to re-file my amendment request ( Phone call XXXX # XXXX XXXX. Again I was told that someone from the Wire Department will call me. No one did. On XX/XX/2020 I called Chase Bank yet again and was advised by another customer service agent to wait a few more days to hear back from Chase XXXX XXXX call XXXX # XXXX XXXX. Again, no one called or emailed me from Chase. Finally, on XXXX/XXXX/2020, I called Chase Bank and demanded to speak to a Manager. I requested an escalation of my issue and she did XXXX XXXX # XXXX ). Since then, the only communication I received from Chase Bank was an online secure message telling me that the transaction can not be amended or reversed, but without telling me how and when my money will be returned to me. I need my money and fees refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: IL
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 A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : states a consumer reporting agency can not furnish an
account without my written instruction.

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, 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 or has reasonable cause to believe 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 2021-02-17
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was the result of identity theft while out on duty.

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 2018-12-29
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
There was a dispute of a {$96.00} with XXXX company which I disputed with XXXX  and they decided in my favor showing the bill paid and account closed at my request. I started receiving correspondence from XXXX XXXX XXXX wanting payment and I sent a letter with copies of the XXXX decision and requested they not correspond with me further on XXXX. I tried to use my XXXX card today and it is being blocked along with any other card I have with XXXX. I feel this is retaliation as all other accounts are in good standing and there is no reason to block their use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28
Company: BANK OF HAWAII CORPORATION
State: HI
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:
On XXXX XXXX, my checking account was charged XXXX by my bank ( bank of Hawaii ) for a nondescript service encl fee. The same charge was made to my account on XXXX, and the bank would not allow me to file a dispute. I would appreciate it if you could help bring closure to this by helping me recover the lost funds. Its not fair for banks to charge customers random service fees during the height of the covid-19 pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-07
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/21, XXXX XXXX ( XXXX USD ) was wire transferred to Transferwise. Transferwise claimed they did not receive this transfer. I inquired with both my bank and Transferwise. I forwarded Transferwise the copy of the receipt from XXXX XXXX  XXXX showing that the wire was, in fact, sent from XXXX XXXX XXXXXXXX to Transferwise. Transferwise continued to claim they did not receive the transfer. Trasnferwise then returned XXXX XXXX ( XXXX USD ) to my account on XX/XX/21. I am due XXXX USD to my account. My bank has not charged fees for the wire sent nor received. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: DISCOVER BANK
State: OK
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 placed an order with XXXX XXXX  in the amount of {$6200.00} for a custom sofa and ottoman, with an expected delivery date of XX/XX/XXXX. I received several updates saying my order had been delayed a by a few weeks, and finally on XX/XX/XXXX, I received an email from the CEO stating that the delivery has been pushed to early XX/XX/XXXX. Upon receiving this update, I submitted their XXXX Forms cancellation request since this was much too long of a wait for me, and never heard anything back from them. In XXXX, I received an email from XXXX XXXX, the law firm handling the Assignment for the Benefit of Creditors of XXXX XXXX  ( XXXX ), XXXX stating that anyone who had a claim to file against XXXX XXXX for money lost should do so through them. I filed this claim on XX/XX/XXXX. I never heard any response or received any updates or information as to whether or not I would receive a refund, so I called Discover ( my credit card company through whom I placed the order ) and opened a dispute on XX/XX/XXXX, sending them all of my documentation throughout the last year regarding the transaction. On XX/XX/XXXX I received an email from Discover saying the dispute was rejected and the charge was found valid. At the beginning of XXXX I called XXXX XXXX and asked when there would be an update on the claims filed, to which I was told " XXXX XXXX will post an update on their website on XX/XX/XXXX. No information will come from our office, only XXXX XXXX 's website ''. I have seen no such update on their website and I have not heard anything from XXXX XXXX 's office since then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I looked at my credit report today and it has my name on there mispelled.

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 2021-02-17
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have disputed collection accounts multiple times from all three credit reporting agencies to include XXXX, Equidax, & XXXX. I have completed disputes as of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and today. I have also called and have been unable to speak to a representative over the phone. XXXX  has removed the incorrect reporting of collection agencies on my credit report ; however, Equifax and XXXX  has not. I have not been provided with a copy of any contracts or payment terms, agreement, and history with my signatures from any of these companies to include XXXX XXXX XXXX ( {$3300.00} ), XXXX XXXX XXXX ( {$650.00} ), XXXX XXXX XXXX, XXXX. XXXX XXXX ( {$300.00} ), XXXX XXXX XXXX, and XXXX  ( {$1700.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: BARCLAYS BANK DELAWARE
State: FL
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:
In XXXX I contacted Barclays to defer payments on my account due to the COVID 19 pandemic. After they gave me the run around, I was finally able to speak with some to waive my payments. I was advised I would not have to make a payment for 2 months. Well, they lied! I had to file a complaint with you guys last month because not only did they not waive the payments like the promised, I was charged a late fee. Not wanting to compromise my credit, I used my stimulus check and paid the XXXX and XXXX 's payment totaling {$430.00}. I received a letter from Barclays ( which they also sent you all a copy of ) stating my payments will be deferred for 2 months. Well, I just received an email notification advising I have a payment due on XX/XX/XXXX. HOW????!!!! They are LIARS! I'm still out of work until mid XXXX. I can not make the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: DISCOVER BANK
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX I applied for a credit card from discover. I got accepted and used it perfectly, never missing a payment and being responsible with it. In XXXX, they notified me that I had to conform my identity by going to a notary and submitting a form. I did exactly that, even though I was working at a XXXX  at the time and it was a major inconvenience to find a notary where I was. I got the paper notarized, and sent it to Discover. Today I get an email saying that my account has been closed because they can't confirm my identity, even though I went to a notary, got the form filled out, and sent it to them. They have permanently closed my account and have done a hard pull on my credit, hurting my credit score. I called them and asked what I can do since it was obviously some sort of error on their end, but they said there is nothing I can do, and they are not even sure what happened. They said that there is nothing that can be done once the card is closed, and that I just have to live with what happened. I am a XXXX XXXX XXXXt simply trying to be responsible with the little bit of money I have, and I am being completely screwed over even though I did everything perfectly and as they asked me to do. I feel that I have been unfairly treated and would like the CFPB to consider investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-02-28
Company: SYNCHRONY FINANCIAL
State: KS
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 advised SYNCHRONY BANK XXXX XXXX. XXXX XXXXXXXX XXXX, FL XXXX that the introductory offer of XXXX XXXX ends on XX/XX/XXXX, NOT on XX/XX/XXXX as printed on the statement I sent a letter on XX/XX/XXXX. I called your customer service on XX/XX/XXXX to point out the error. The digital letter I received does not address the reason for my phone call, i.e., the incorrect end of promotional APR printed on my statement. 
I sent a second letter on XX/XX/XXXX because an interest charge of {$63.00} was assessed on my statement ending 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 monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX CRED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/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 2021-02-17
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 belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY CARD AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I have 2 CapitalOne Quicksilver Credit cards with an purchase APR of 22.99 % and a Cash Advance APR of 22.99 %. The Cash Advance includes direct fee at time of disbursal. The APR on a Cash Advance is also accrued daily versus the purchase APR which is done monthly. After paying the minimum amount due on the card, any monies in excess of that minimum should then be applied to the highest APR on the account. Again, in my case both are numerically the same. But the balance on the Cash Advance is charged direct fees to use plus the interest is accrued daily. If I made {$100.00} in purchases the same day I took out a cash advance of {$100.00}, by the end of the billing cycle if all was the same, the Cash Advance would have higher balance. The representatives at CapitalOne stated that only the actual numeric value of the APR matters, not anything else. This has allowed the bank to charge me much more money then if they had applied my payments correctly. Perhaps this is a direct tactic to get around the federal law in some sense. CapitalOne also bill the two balances on different dates as far as interest accrual.

Company response to consumer: Closed with explanation