BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX master card there was fraud charge on XX/XX/2017 four charges in one day the same store in XXXX and I received text massage to approve or decline I decline in the same time and I received a phone call from the credit card company and I told them I didn't purchase anything that day from XXXX and they told me they will investigate in 90 days and after 90 days they sent me bill to pay all fraud payment and on XX/XX/XXXX my car was opened by unknown and took a lot of staff and l report the same day and I have police report but the customer service lady was very rude and she disrespect me like criminal instead of solve the problem after that I went to police station again and told the story they told me bring all credit card statement and we will write letter to them I did. 
after all this the damage my credit history from credit biro and still I didn't get resolve 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 2018-09-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD XXXX XXXX HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: MO
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:
Experian has violated my consumer rights repeatedly. I have sent a cease and desist and unfortunately, that is still being violated. I have sent identity theft affidavits, but they were ignored. The accounts in question are still being reported on my consumer report which is a major violation.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have reached out to the bureaus for reporting late payments on my consumer report that I did not give them permission to furnish and this is defamation of character. 

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 2019-11-06
Company: Coast Acceptance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a car threw a dealership, I gave XXXX down the car was XXXX XXXX for the 2 years I payed XXXX every month and this last year I struggled but I still Im managing to make payments the financial depart says I owe XXXX XXXX still but I have proof of other wise please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My card was a GM credit card. When they tried to raise my fixed rate, I closed the account as I did not agree to the rate increase and have been paying down my balance. Capital One took over the GM card and then changed their website. As a result of my account being closed, I no longer had a card with a valid expiration date or 3 digit security code. I have been making payments for years, online. As a result of the website change and my not having a physical card, I could not register on the new website. They have since started mailing paper statements and I am being forced to make payments by phone, as I can no longer do this on-line. I have asked they stop sending paper statements and just send an email notification that my bill is ready. They will not. I have asked they send me a new card, with a credit limit of XXXX dollar, so I can register on line and make payments. They have refused. I just want them to STOP sending paper statements. I know when the bill is due and how much is owed, as I have been paying this off for the past several years and only missed one payment since the account has been opened. They are never cooperative over the phone and send only dumb form letter responses to my written request. " The requested action can not be taken at this time because the account is closed. '' I just want them to stop sending me statement in the mail. Period. I will make phone payments if I have to, but I do not want paper statements. They are completely ignorant and even the branch office of the bank can not help. I will never again have any account affiliated with Capital ONE. What in the term " customer service '' do they have difficulty with?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by someone I do not know. Please feel free to contact me with any questions or concerns

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 2018-09-25
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Indiscriminate Closure of Wellsfargo Accounts I will like to bring the Bureau attention to the unfair practice of wellsfargo Bank closing my accounts on the presumption that I was a victim of fraud. I am a recent XXXX still searching for a reasonable job. 
The incident happened on XX/XX/XXXX When I was expecting some funds to cover for living expenses from a friend while in a transition period of switching jobs, she was supposed to call me before the making the deposit but Unfortunately I was in an Interview when she went to the bank The expected amount was {$1200.00} but she raised a cashier check of {$3500.00}. The difference in the anticipated and the actual amount made the bank to reject then deposit and proceed with a harsh decision to restrict my deposit accounts ( saving and checking ) from any further deposit and be scheduled for closure on XX/XX/2018. The reason was disguised as a business decision. 
Moreover, Wellsfargo decided to take their decision a step further to schedule the closure of my credit card account which had nothing to do with the deposit accounts. I have been a customer for almost eight years and never had I for once had a late payment or any other penalties on the credit card account. It is pretty disheartening that bank like wellsfargo will still repeat a decision for which a former employee exposed the bank to the media for unfair practices in XX/XX/2018 ( https : XXXX ) Lastly, Looking back at the incessant amount of scandals that wellsfargo bank has been involved over the past 18-24 Months. I have come to a conclusion that it is wiser not have any deposit account with ( Checking and Savings Account ) with the bank but I will like to request for the CFPBs benevolent despotism to intervene and prevent the indiscriminate closure of my credit card account from a scandalous bank with hidden aim of leaving behind a terrible mark on my credit history I have included all letters from the Bank for a quick and candid assessment Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To whom this may concern, For the past 8 months I have been reaching out to all three credit bureaus about a credit cards inaccuracies on my account. According to my credit report, my credit card ending XXXX from XXXX XXXX XXXX XXXX, is closed. However, I am currently using the card and it is not closed. I have had this credit card for five years now and this is a huge reflection on my credit score.

I need this account to be reported accurately ( Opened ). I have also reached out to XXXX XXXX XXXX XXXX and they have also reached out to the bureaus but I see no change on my end.

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 2018-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I haven't used my Capital One credit card for a while, after I paid the balance in full. Since then, which was almost a year ago, I have been trying to change my statement delivery settings to US Mail instead of by email, because I wanted to receive my statement in paper form so that I would not miss a payment. I have made many unsuccessful attempts to change my statement delivery method to US Mail since then, which seemed to be a simple action with every other financial institution. Because what I realized after trying many times, different days and different times of the day, using different browsers thinking that their website might not work with the one I have been using, Capital One deliberately created a glitch or malfunction of their website link that when you try to change your statement delivery preferences to US Mail, you get the following pop-up " We've Hit a Snag '' ( please find the screenshot attached ), meaning, sorry can't do. I would have not bothered to address this issue if this has happened once or twice, but I have been trying to change my preferences for months now and I got tired of it because I almost missed a payment due to not receiving my email billing statement because I had issues with my email address. I will actually contact an attorney to check this violation out. Consumers should be able to receive their billing statements the way they choose, whether it's by US Mail or email, and I have been deprived of that choice for a long time now, and I am sure, so did many others. Last digits of account number are in the screenshot for Cap. One to refer to and retrieve how many attempts I made over the time to change my preferences ( if they are willing to open a can of worms ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/20 I discovered {$650.00} was taken from my Bank of America account via a XXXX transaction sent to a person whom I do not know. I immediately called Bank of America to alert them of this, and the representative on the phone helped me change my login info as well as open up a claim case for me. 

On XX/XX/20 I called Bank of America back to follow up on my claim. They told me that the claim had been denied because it appeared that the login used for the XXXX transaction seemed consistent with previous login attempts. They told me I would need to reach out to my mobile carrier XXXX to obtain documentation that my device had been hacked. When I reached out to XXXX they informed me they do not monitor phone 's operating systems due to privacy laws and they could not provide any information about this. When I contacted Bank of America back they told me there was nothing they could do.

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 2021-02-25
Company: Easier Funding, LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
The sales representative doing a phone call stated a false claim or misleading information. He stated that their company do not report to credit bureaus if balance is not paid if client were not able to make a payment. He stated they are here to fix clients credit and not damage them. I did not pay for service because I was misinformed. Call was recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: AL
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:
In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified accounts : XXXX XXXX Account number XXXX and XXXX XXXX Account number XXXX. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The current balance on my Chase Student freedom credit card is completely incorrect and is way higher than it should be. I counted all my transactions and paid all my statements on time this year with no pending fees or interest, only to find that the current balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Perfection Collection
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Perfection Collection LLC for amount of {$640.00}. This item does not belong to me, I have sent Perfection Collection LLC debt validation several times with no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experion refuses to post my correct address or any recent cerit information, Leaving me with a empty credit report I have lived at the same address for 25 + years but no mention of it. 
My creditors claim they report Regularly but experion will not acknowledge nor post the information. 
They will not give a method to correct what ever error exsist. 
On the contrary, they claim no error is present.

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 2022-10-05
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have never used this card or had it in my possession. I have no credit card statements or account numbers as this is a fraudulent opening of a credit card by a third party. The only information I have is from the email I received for an amount owed. Information below : Account ending in XXXX and Bank Address below : Barclays XXXX XXXX XXXX XXXX, PA XXXX or Barclays XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2021-11-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021, my credit card has been closed due to inactivity. I called my provider on XX/XX/2021 requesting to reactivate my card. They said, No we can't. However, the credit card agreement does not mention anything about reactivation not being allowed. I had this card for almost 4 years and Oldnavy Synchrony does not help on resolving the issue.

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 2018-03-06
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My experience with Suntrust banking in the last month has been a nightmare. I am a family doctor who has wasted maybe 10 hours of my time that could be used much more productively to counteract borderline criminal business practices of XXXX   banking. I've had Suntrust for XXXX years for a mortgage. To get a better rate I had to open up a checking account with suntrust. At the new year my mortgage was increased by XXXX dollars. Unfortunately I didn't update my automatic withdrawal setting to reflect the XXXX dollar increase so instead of notifying me they charged me a XXXX dollar fee and a week later charged me another fee. I was not notified until I got a letter in the mail weeks later and that day I resolved it and had to go to the branch and talk to dozens of people to get it resolved on just a XXXX dollar over draft that would have costed me XXXX and potentially more. Potentially more because once I settled the XXXX dollar fee. mortgage has yet to communicate with checking so checking still thinks my account is overdrawn. So I have to waste time out of my day to make sure they communicate with each other. Their strategy in business is to exhaust the customer by separating each division where one division can not contact the other division. Whenever I call banking it's mortgages issues and vice-e-versa. Today it was when i called banking it was an online banking issue. Next issues is today I noticed ANOTHER TWO SEPARATE XXXX dollar fees. Checking is saying that I did not have enough money to cover the mortgage so there is a return fee. The mortgage takes the fee of the XX/XX/XXXXof each month. I set up automatic payments for the XX/XX/XXXX of the month. It says the transaction processed. My other bank sent the funds on the XXXX. For some reason suntrust did not process until the XX/XX/XXXX. So I now get charged XXXX fee 's on the XX/XX/XXXX and the XX/XX/XXXX for them not processing in time. I spent an hour talking to them but they said they can't refund the fee because they did it last month. Just so you know a little about me. I am a XXXX  with a credit of over XXXX. I take pride in paying my debts but will not accept extortion. 

I have some screen shots of the incident to better explain the situation : Including the scheduled automatic payments that was processed on the XX/XX/XXXX, my statement from my other bank saying the funds were taken from my account on the first of XX/XX/XXXX, and my checking statement of back to back fees without notifying me until the second fee. This is simply unethical and not right of suntrust. They should refund my money and investigated for further unfair fees to other customer. 

Thank you for your time.

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 2020-07-09
Company: EQUIFAX, INC.
State: NJ
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 just came back to america after 4 yrs and i checked my credit report and it says i owe, XXXX XXXX {$910.00} in XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX {$510.00} in XXXX, & XXXX XXXX in XXXX i would like for you to delete this from my credit report since its hurting me, being that im a new citizen in america XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I never paid my monthly payment late in XXXX or XXXX I was never told that I was late no notices. Or even a phone call

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 2019-06-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The accounts on my credit report do not appear to be mine. There are also missed payments that are inaccurate.

Company response to consumer: Closed with non-monetary relief