BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX someone made thre seperate transactions in three different gas stations in the city of XXXX XXXX around XXXX in the morning. I have only ONE debit card to my name and I was getting out of work during this time. I also received an alert from the bank asking if I had made those transactions because they looked fraudulent and I texted back that it was not me so they closed my debit card. The three seperate transactions were each for XXXX totaling XXXX. My card was initially credited but then the money was taken back out because my PIN number had been used. I explained that I had obviously been the victim of card skimming and according to Chase Bank card skimming does NOT EXIST. On XX/XX/XXXX I faxed evidence of where I was on the date in question verifying that I had not made those transactions. According to Chase someone had my card and knew my PIN so there was nothing I could do. I am the only one with access to my card and there is only ONE card. I requested for them to get footage of the date of the transactions and they said they don't do that. I want my hard earned XXXX dollars back. Can you please advise as to what I can do and how do I get Chase to give me my money that was taken by a thief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Received three individual letters from Synchrony Bank cancelling credit cards with XXXX, XXXX, and XXXX, each stated the decision to cancel the individual credit card was : " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. '' This is not true as each account was up to date and there were no late payments prior to the receipt of the letter with each account having a {$0.00} balance. 

I have contacted each of the companies individually and received no answer as to why the action was taken. My current credit score is XXXX and rated excellent by my bank. 

I do not want the credit cards reinstated but I want the reason for cancellation corrected, for my records.

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 2019-02-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
well fargo been down for days and can not get my money and pay my bills and they are not giving any answer to no one.

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 2020-10-21
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/20 - received tax bill in mail. called Amerihome Mortgage and they said they didn't have bill so they were not going to pay it. I could send copy of bill and it would be paid. They escrow to pay taxes and insurance. They  failed to pay homeowner 's insurance in XXXX, XXXX and XXXX resulting in my policy being cancelled. I was refinancing with them as they told me it was easier and quicker. Process took months including policy cancellations and late fees. My taxes would not be paid if I didn't call them. Disconnected 3 times while on hold for over an hour. Requested supervisor or manager and never connected. Mortgage is significantly less than value of home. Amerihome benefits if i have lien and foreclosed for not paying taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: FL
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:
XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All accounts above have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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: Their investigation did not fix an error on your report

Complaint:
I refinanced a mortgage. The new lender paid off the old mortgage on XX/XX/20. In XXXX, my TransUnion credit report showed the new mortgage with the new principal balance and the new monthly payment amount. But it also showed the old mortgage with the pre-payoff principal balance and the old monthly payment amount -- i.e. according to TransUnion, I have two mortgages and two monthly payments on the same property. I called both the old lender and TransUnion. The old lender confirmed the payoff, said the account was closed, and said this information had been reported to all credit bureaus ( both XXXX and XXXX show the old account closed with {$0.00} balance ). TransUnion said I needed to submit a dispute, which I did. On XX/XX/20, TransUnion reported that the result of the dispute was that the old lender had confirmed the information on my report, so it would not be changed. On XX/XX/20, I submitted a new dispute with TransUnion, which was scheduled for a result by XX/XX/20. On XX/XX/20, that dispute simply disappeared from the TransUnion website. On XX/XX/20, I submitted a third dispute with TransUnion. I suspect it too will disappear. In the meantime, the old lender continues to confirm that the account is closed with a {$0.00} balance. I uploaded documentation with my second and third TransUnion disputes. I am currently being denied credit because of the duplicate mortgages on my 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 2022-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # -- -- --, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: DISCOVER BANK
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In the last ten days my credit report with Discover Student Loans has read three different things. The last one is the most damaging.I believe this is in retaliation for me disputing the credit report and asking them to validate the information. They are behaving in a malicious manner. I believe Discover Student Loans is trying to keep me from asking information that is within my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: Credit Corp Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made an arrangement with XXXX XXXX XXXX , XXXX to pay {$220.00} for settlement of debt to be paid by XXXX XXXX, XXXX. I call the company on XXXX XXXX, XXXX, and spoke to a XXXX . XXXX. I made the payment that same day using my debit card. XXXX XXXX sent by email the payment receipt dated XXXX XXXX, XXXX. I notice on my XXXX XXXX, XXXX, on my credit report for XXXX XXXX / XXXX account in the comment section that it was purchased by another lender. So I contacted XXXX  and they told me that XXXX XXXX XXXX has this account. I asked why and told them that I had paid the account with XXXX XXXX XXXX. The representative told me that they did n't have any information concerning this company or payments and I would have to contact XXXX the lender. I contact XXXX XXXX  and spoke to a XXXX XXXX concerning the issue. She told me to email to her the receipt of payment and she would get back to me. I received an email from her stating that the document I sent did n't show that the original creditor was XXXX that it was Credit Corp Solutions. She told me to contacted XXXX XXXX  about the payment and Credit Corp Solutions. I told her I did and they advise me to call her company. I asked her if she could send something stating that this payment was received to XXXX Credit Bureau and XXXX XXXX / XXXX. She told me that they sent out this information to the credit bureau in XXXX XXXX and the company does n't do this anymore and she could n't help me. Therefore I should contact Credit Corp Solutions and XXXX XXXX again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, On XX/XX/XXXX I received a call from my Victoria Secret credit card company about an open balance. I told the guy on the phone to pay off my full balance and shut down my card. Every month following I got charged late fees that I was not made aware of and yesterday I received a call saying I have an open balance of {$140.00} due to all the late fees. I was only able to waive one of them but bit the bullet and told they guy on the phone to charge me the remaining {$110.00} and cancel my card entirely and to send me an email stating my card is canceled/ shut down. I followed up a few hours later after I saw my payment went through on my banking statement and the lady on the phone told me I still have an active balance of {$140.00} and that there are no notes of the late fee being waived. She then told me to wait 24 hours for changes in the account to be fully processed. I waited and called about 30 hours later ( today ) and spoke to a new guy on the phone saying the late fee was never waived and the account has never been closed. He then tole me he waived the fee and would be sending over a notification on my account that my credit card will be shut down. I never received anything and am afraid this is going to happen again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: IL
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:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/2021, I requested a debt validation letter from Experian and XXXX for a XXXX XXXX XXXX XXXX bank regarding a loan for a {$35000.00} car loan. Unfortunately, Experian and XXXX have yet to verify the account with my signature and owed amount to XXXX XXXX XXXX XXXX XXXX. Unable to verify debit in required to remove from credit report within 30 days of the requested date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ 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 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
IN REFERENCE TO COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 First, as a consumer I had no way of knowing I owe this debt.

How can I dispute if the company failed to contact me? this is a VIOLATION OF UNFAIR CREDIT ACT LAWS ... there is no excuse for XXXX XXXX to not contact me!

XXXX XXXX committed identify theft by illegally running my social security through all national credit bureaus PERIOD! after impact had illegally obtained all of my current info when they ran my social security number to illegally look at my info on my credit reports, XXXX XXXXthey still failed to get in touch with me yet still Impact just posted this debt. that is how I knew/found out Impact had current info yet failed to contact me and TRANSUNION allowed this by just posting this XXXX  debt too ect ...

Throughout my investigation this debt was under XXXX XXXX  XXXX   who I rented from back in XXXX. Never paid late!

I am demanding that this item LISTED BY XXXX XXXX that was illegally posted on my national credit reports be removed immediately due to the fact that this company XXXX XXXX violated credit unfair act law AND BROKE THE LAW TO OBTAIN MY PERSONAL INFO.

I have filed formal complaint against TRANSUNION credit bureaus with anti-trust department in Washington DC and its CEO because TRANSUNION also violated unfair credit act laws and broke the law and should indeed be closed. therefore, this item must be removed immediately from all 3 of my credit reports and an apology letter sent to me asap!

Both TRANSUNION and this company impact receivable also violated my civil rights and unfair credit act protection under US constitution laws based on grounds that neither one of these  parties TRANSUNION and or XXXX  XXXX   XXXX  FAILED to notified me as a consumer to grant me any option to settle this debt.

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 2023-04-02
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I went to XXXX to get service they said I already had an account I never use XXXX and I have a newly reporting collection from the company. Someone signed up with a similar name or used my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: CITIBANK, N.A.
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 received an offer in the mail from CIti Bank promoting a zero percent interest rate on balance transfers for 14 months. The offer stated to apply by phone or go online. I went online and applied and was immediately accepted. When I received the card the information included showed 24.78 % interest on balance transfers. I contacted the company immediately and was disconnected after talking to one individual, called again and the rep was difficult to understand and when I asked to speak to a supervisor I was told that they would tell me the same thing that I did not have 0 % interest. He said he would send a ticket and I would receive a response in 3-5 business days. A week later I called to ask a status and was told would take up to two weeks to receive a response and they were working on it. I advised the rep that they should know what campaigns were mailed and this was ridiculous and very misleading. I need someone to research this issue and advise why Citi can bait and switch consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
they sent me a letter in the mail saying i was preapproved for a car at XXXX XXXX and when i tried to get a vehicle they did not want to finance the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: BARCLAYS BANK DELAWARE
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:
I went on a vacation with my wife to XXXX XXXX XXXX XXXX on XX/XX/2019 and sat through a time share presentation. The presenter asked if we would like to accept the package, we agreed saying yes. He asked if we would like to open a credit card for the purchase, and we said yes, AS LONG AS IT IS NOT A HARD INQUIRY ON MY CREDIT REPORT, He assured me it was a SOFT INQUIRY and it would not affect my credit report in anyway. Little did i know THE COMPANY LIED TO ME AND IT WAS A HARD INQUIRY AND IT DID EFFECT MY CREDIT REPORT in a huge way. The company is called BARCLAYS BANK DELAWARE, XXXX. XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX. All i am asking to resolve this issue is to take the hard inquiry off of 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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-02-06
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: Account status incorrect

Complaint:
Equifax and XXXX credit scores dropped by XXXX points. Noticed they said I have a serious delinquency. On further digging I found that this was due to XXXX XXXX XXXX, where I had a HELOC that I paid off and closed in XX/XX/XXXX. The HELOC was reported closed in XXXX and XX/XX/XXXX, but is now showing for the rest of XXXX that I was XXXX days late. I have complained to XXXX via XXXX. I have also filed disputes with Equifax and XXXX. It appears that XXXX, a fintech startup, has not exercised proper care in compliance and has a software or procedural error. It also appears that Equifax and XXXX do not have the sophistication to see that a closed account can not suddenly be reported delinquent. XXXX does not seem to have this issue. This is ruinous to me because I was about to buy a car out of my lease. I need this car to have the ability to go to work. My lease expires in 4 weeks and if I do not get a car loan I will have to pay a higher price for a different car, vs for the current leased car where I have a negotiated price from XXXX. Due to supply chain shortages the price of all cars have gone up.

Company response to consumer: Closed with explanation