BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I ran a credit check for myself, trying to refinance my truck to get my ex off of my truck and found credit cards opened and maxed out and I didn't open them. Called the companies and without the last 4 digits of the credit cards and secure code on the back they wouldn't let me cancel the cards or give me any informations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have XXXX XXXX ACCOUNT / XXXX ACCOUNT closed on my Transunion / XXXX and XXXX, I already disputed with the company and they said they would remove it and would contact the credit bureaus, and the credit bureaus have not helped or removed it, even though TRANSUNION / XXXX / XXXX  agreed they would remove within 48 hours because they were unverifiable. it has been months now and it hasn't been removed and it is affecting my credit score and way of living.

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: Experian Information Solutions Inc.
State: OK
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 opened a credit card with XXXX XXXX on XX/XX/XXXX. It was to be used for per diem type purchases where my job was reimbursing me for hotel rooms. My card info was stolen and the card was used fraudulently. I requested the card be closed. I did not know that there was anything owed on the card. In XX/XX/XXXX, a charge-off from XXXX showed up on my credit reports. There is no history for it before that time. We paid it within about a day. I have not been able to get XXXX to remove the charge off/late payment statuses from my credit reports and this is affecting my ability to get good rates. I literally did not know that I owed anything to XXXX until it went on the credit report. Because of the circusmtances regarding the fraudulent activity and no notification of an amount owed was sent to me, I would like XXXX to take the late payment and charge off off of my credit report. I believe I've been treated unfairly here.

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 2023-09-18
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX $ balance should have never been reported. This amount was paid 3 years ago.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I am filing this complaint to TransUnion I sent them communication letters regarding the errors and inaccurate information in my report such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. It has already more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2019-03-17
Company: American Coradius International LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, On XX/XX/XXXX I purchased a game system off XXXX for {$230.00} using XXXX. The seller cancelled the shipment and I received my refund on XX/XX/XXXX. The refund took a lot longer than expected but all was well. On XX/XX/XXXX XXXX charged me {$230.00} with the description " refund complete ''. It did not take money off my linked card number but my XXXX has a sitting negative balance. I received a letter early XXXX around the XXXX from " XXXX XXXX '' claiming I owe them {$230.00}. Is this company trying to scam me? Help me solve this issue. XXXX sends me through automated emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: OK
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 opened a credit card with XXXX XXXX on XX/XX/XXXX. It was to be used for per diem type purchases where my job was reimbursing me for hotel rooms. My card info was stolen and the card was used fraudulently. I requested the card be closed. I did not know that there was anything owed on the card. In XX/XX/XXXX, a charge-off from XXXX showed up on my credit reports. There is no history for it before that time. We paid it within about a day. I have not been able to get XXXX to remove the charge off/late payment statuses from my credit reports and this is affecting my ability to get good rates. I literally did not know that I owed anything to XXXX until it went on the credit report. Because of the circusmtances regarding the fraudulent activity and no notification of an amount owed was sent to me, I would like XXXX to take the late payment and charge off off of my credit report. I believe I've been treated unfairly here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: SECURITY FINANCE CORP
State: TN
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 recently noticed an inquiry on my credit profile from Security Finance. Ive never applied for any loan with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide 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 2023-09-22
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wish to dispute only one account XXXX XXXX XXXX I didnt apply for this account Never did business with XXXX and never lived at XXXX XXXX XXXX XXXX Texas XXXX and I have proof of address if needed.. 

Never own a email address XXXX XXXX isnt giving me the option to send in a FTC police report and keeps rejection this dispute Please reopen this investigation for fraud/identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CITIBANK, N.A.
State: CT
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:
This dispute with Citibank has been ongoing since XX/XX/2022. It took extremely longer than 30 days for anything to be addressed which is the catalyst to why improper reporting even took place. After initiation of the dispute my account was closed. This created difficulty submitting requested docs via the portal and accessing their responses as Citi suspends consumer online accounts as a result of account closures. I have proof that telephone correspondence was to no avail even after getting multiple Citibank 's representatives recorded, admitting to the dispute mishandling and promising to correct the inaccurate reporting, no accountability has been taken. Ciitbank refuses to stand behind a multitude of their trained staff. 

As of recent, the Citi 's Executive Response Unit has been handling this matter. They have sent out two notices. One admitting that they feel the XXXX host still deserves the right to be paid despite illegally recording, my family of 6 including XXXX XXXX children in the XXXX, which is against XXXX and Fair Housing policies. They also sent out a second letter acknowledging that I was led to believe corrections would be made to the account that they now refuse to honor. 

They only thing they've honored is removing the late fees from XXXX XXXX. However, if you deem that the late fees should be reversed due to the account being in dispute this whole time, why don't you agree that my credit report ( which has a way larger impact ) shouldn't reflect the same? 

Instead, they are sharing inaccurate information that is no longer reflecting on their side and I DO NOT CONSENT TO THAT INFORMATION BEING SHARED. They keep adding remarks to my credit report without my request when everything should be removed. They are aware of the multiple recordings that I have from XXXX, XXXX, XXXX, XXXX, XXXX, etc that all have said that my account should not be in that status during dispute and the negative reporting should not have been made. Yet, they will act as-if they are doing the consumer a favor by reversing fees that shouldn't have been imposed while their life is falling apart due to inaccurate and unfair credit reporting. 

I will be pursing Citibank for the damages their actions alone have caused as many other creditors have retaliated as a result of their claims despite my due diligences and efforts.

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 2022-02-19
Company: Bread Financial Holdings, Inc.
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 have unauthorized inquiries for the following companies : 1. Comenitycapital/XXXX XX/XX/2021 2.XXXX  XXXX XX/XX/2021 3. XXXXXXXX XXXX XXXXXXXX XX/XX/2021 4. XXXX XXXX XX/XX/2021 5. XXXX  XX/XX/2021 6. XXXX XXXX XX/XX/2021 7. XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My cell phone failed in early XXXX and when I was setting up my new phone, I inadvertently set up a NEW PayPal account that is " Limited ''. Two of my customers sent payments totalling {$830.00} to that new limited account but I can not access these funds.

I have used PayPal Assistant and have made numerous calls to PayPal and used their automated login assistance to attempt to resolve this issue. ( My other account is functioning properly and I just want those {$830.00} transferred to my normal, active account ). When I call, Paypal 's automated system just says " we can not support your inquiry at this time '' and hangs up on me. I am unable to resolve this using their auto-system and can not reach an actual person on their phone line. 

When I call PayPal 's customer service number XXXX, the automated system recognizes two accounts with my cell phone number XXXX. The auto-system gives me an option under the ID / e-mail of " mail.w '' ( which of course isn't a real e-mail ). I have tried every automated system to get logged in, but I can't and there is no way to reach an actual person to assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: AMERISAVE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Amerisave ( Amerisave Mortgage Corporation, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ) misrepresented rates and mislead me into the cost of {$500.00} for lending services. Amerisave performed a bait and switch and did not honor. Amerisave agent XXXX XXXX, provided rates that could not have been met with the given circumstances and terms of the loan ( they failed to adequately adjust due to an existing HELOC ). I was enticed to apply for mortgaged based upon rates they provided me. They collected a {$500.00} application fee from me as I decided to enter into a business agreement with them per the information they provided me ( rates, costs of loan ) After several hours of providing documentation, and waiting several weeks, they informed me the rates and terms would change because of an error on their part. At that point I informed them that I was misled, requested to terminate business with them, and requested a refund. They stated they would process a refund and ultimately did not provide me the refund. They knowingly admitted they were in the wrong and did not adequately resolve the situation. They  continued to led me on with false statements and actions which attempted to deter me from entering into a refinance with another company, which resulted in a short term and long term financial loss, due to missed opportunity to proceed with another lender that provided honest business practices. Records of the requests, poor customer service, and admission of their errors have been attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened up a Wells Fargo checking account for the {$200.00} opening promotion and did not receive the opening promotion.

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 2020-09-22
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I noticed Wells Fargo had a promotion on opening up and funding a checking account. ( A screen shot of that promotion is attached. ) I opened up the account on XXXX and received several emails stating the account was opened. The promotion required a total of {$4000.00} in direct deposits to post to the account within 90 days in order to qualify for a {$400.00} bonus. Over the next 90 days, I had {$11000.00} deposited into the account via ACH from my employer. The {$4000.00} was met within the first 30 days. With the 90 days coming close, I called the bank and spoke to a representative named XXXX on XX/XX/XXXX. She confirmed that I met the requirements and was unsure why the bonus was not paid. She recommended calling back after the 90 days and request the completion of a form that addresses these issues. I called back on XXXX and spoke with XXXX, who again confirmed I met the requirements and did not understand why the bonus was not paid. He opened up the inquiry XXXX and said to call back in 10 days if I had not received the bonus. Fourteen days later, on XX/XX/XXXX, I called and spoke to a 3rd representative. This person put me on hold for a long period of time and came back with a nonsensical explanation. She said the promotion had been extended through XX/XX/XXXX and I needed to call back after that date to check on the bonus. While that is a good idea to help others meet the promotion requirements, I have never heard of a promotion not paying out existing customers for meeting the requirements. I decided to do some investigation on my own to see if there are any stories about other clients getting the blow-off. I was able to find numerous new Wells Fargo clients who got there bonuses at around the 90 day mark for accounts that were opened slightly before and some time after I opened my account. Therefore, the obvious answer is that Wells Fargo is just wanting me to stop calling for another 100 days as nobody can determine why the {$400.00} bonus is not being paid even though I met all the requirements.

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 2020-09-22
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Barclay Card received and processed an online payment from my bank on XX/XX/2019 where I mistakenly included an incorrect account number. Over the past 10 months I have provided documents from my bank stating that Barclay received the {$1300.00} payment but they can not locate it. I have placed 44 outbound calls to Barclay in hopes of resolving. I have initiated at least 5 cases with their " settlements team '' in hopes of them  locating and applying the payment to my account. On XX/XX/XXXX, I was advised to submit a letter to the Office of the President via mail and fax and I did that via both transmission methods. My credit report is showing as delinquent and last week I received a notification that the balance is now subject to charge-off. 

I have provided Barclay copies of my bank record, proof of payment from my bank ( XXXX ), my call log, and a screen shot of the delinquency notice supporting my dispute. Please investigate this this matter and assist me in correcting as soon as possible. 

Many thanks, 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 2021-09-02
Company: OneMain Finance Corporation
State: TN
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 recently noticed an inquiry on my credit profile from One Main. Ive never applied for any loan with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: PR
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 first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Investigation took more than 30 days

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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