BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, my experian credit report was flagged with a collection by XXXX XXXX XXXX in the amount of {$590.00}. On XX/XX/XXXX, I mailed a letter to experian exercising my right under the Fair Credit Reporting Act, Section 609 to be provided the source of the information with the original contract that contains my signature. I never received this information from them but instead they opened an experian website dispute with the results of it being an accurate collection belonging to me. On XX/XX/XXXX, I mailed another letter exercising my right under FCRA 611 ( a ) ( 7 ) for the method of verification used to verify XXXX XXXX XXXX account. I also stated that according to FCRA 611 ( a ) ( 7 ), they had 15 days from receiving the letter to provide the information or delete the negative item from my experian credit report. They never provided me with the information but instead they opened another experian website dispute with the same original results. On XX/XX/XXXX, I mailed another letter requesting for the collection to be deleted since they did not provide the information within that time frame and nor did they ever provide it.

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 2018-08-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a Checking account with Chase on Saturday, XX/XX/2018. I made a deposit of {$720.00} to open the account. I made a withdraw the same day of {$700.00} left only what was neede to open the account. XX/XX/2018 a deposit from XXXX XXXX account was posted {$310.00}. On XX/XX/2018 My account was closed due to the bank not being able to keep an account opened for me. At this point there is {$340.00} in the now closed bank account. I contacted the bank XX/XX/2018 to find out what was going on, they explained that the account was closed and that they will send a check 7 to 10 days from when the account was closed or approved for closure. Thursday XX/XX/2018 a check in the amount of {$25.00} came in the mail. I contacted Chase and asked about the {$310.00}? they then explained that they needed to verify the money was mine and then they will release a new check. I walked in to the bank Monday XX/XX/2018 to verify the money was mine. They said it is verified and now they will need to send a check. It is now XX/XX/2018 and I still have not received the {$310.00}. I called the bank several times and they say the money is approved, they just need to send the check, and that I will get a check when they get to it. No letters or emails where ever sent to me to let me know what was going on. I cant log on to my online account to see any statements or letters. Now my XXXX XXXX XXXX is going to be cut for lack of payment due to all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a new Smartly Checking account with US Bank after clicking through an online promo code for new US Bank customers promising {$500.00} for opening the checking account. Over the course of the next few months, I spent many valuable hours completing each step that was required in order to fulfill the bonus, including 1 ) open an account with a minimum of {$25.00} ( completed XX/XX/XXXX ). 2 ) Enroll in online banking or the US Bank app ( completed XX/XX/XXXX ). 3 ) Direct deposit at least {$6000.00} within 90 days of opening the account : I had my employer direct deposit my paycheck into the account, and the following deposits were made : XX/XX/XXXX : {$2400.00} ; XX/XX/XXXX : {$2200.00} ; XX/XX/XXXX : {$2100.00} ; XX/XX/XXXX : {$2100.00}. This totaled {$8900.00} and was within 60 days of opening the account. 4 ) Make at least 10 debit transactions ; this was completed within the specified time limit. In addition to these steps, all other requirements for obtaining the bonus were completed, and were time consuming. Despite this, over the course of XXXX, I have called US Bank at least 6 times to request that the bonus be filled, most recently on XX/XX/XXXX, and prior to that, XX/XX/XXXX, but also many times in Q2 and Q3 of XXXX. Every time I have called, I have been told that I did fulfill every term of the promotion and the agent has shared that he or she does not know why I did not get the promotional bonus yet. One agent said he has sent an immediate request to the promotions department to fulfill the promotion. After a series of calls throughout XXXX, each time speaking with US Bank customer service agents who do not know how to address the matter and can not understand why I haven't received the bonus yet, finally on XX/XX/XXXX the customer service agent 's supervisor told her that I did not receive the bonus because the promotion was only for " targeted '' customers and I was not targeted. However, I clicked on a US bank promotion through an online ad, which is the very definition of target marketing. Therefore, US Bank is both employing false advertising and engaged in deceptive business practices. Furthermore, the corporate office is creating an unfair situation for customer service agents who have no information as to how to solve customers ' complaints regarding the deceptive new checking account bonus 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 2022-03-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, my wife and I leased a XXXX XXXX XXXX XXXX through Ally Auto. The lease was slate to end in XXXX of XXXX, but instead we paid a monthly amount of {$970.00} for an extended 6 months and we were trying to purchase the truck during that time. Ally did not give us a definite answer and we turned in the vehicle to XXXX XXXX, a designated auto dealer. We reviewed our contract that was signed and we were not to pay for any extra mileage. Ally started sending letters and calling us daily about a {$26000.00} balance we had. I personally told them that they need to review the contract and apparently could not provide us with any proof that we owed them for mileage. This issue has since posed a problem, because Ally Auto is reporting the closed account as open and also reporting it as an open loan. We spoke with them again and was told that the issue was escalated to management and this has been over 2 months without results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16
Company: Experian Information Solutions 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 owed US Dept Of ED {$1300.00}. Upon applying for a home loan I was advised to take care of this debt. I called them XX/XX/XXXX and was told they couldn't accept full payment due to an error within their system. They offered to settle for {$1100.00} and i agreed and paid over the phone. I received email confirmations of account status and confirmation of payment. 
As of XX/XX/XXXX they are reporting a balance of {$200.00} on the account. I called and confirmed my payment status but was told there was an error with their system and no other explanation why a balance is reporting.

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 2019-10-02
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I changed to another insurance company. Cancelled my policy with XXXX. I owe them {$0.00} Both policies with the same broker, XXXX   XXXX XXXX in XXXX XXXX, Texas. So not only I cancelled it, they did also. XXXX just billed me this randomly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 received my credit report on XX/XX/XXXX and Notice there we're hard inquiries are Hurting me from getting approved for loans and cars. 
I've already reached out to the following credit bureaus and they keep violating my rights under 15 USC 1681B. I also attached the Hard Inquiries that does not have any purpose on my credit.

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 2020-03-07
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This is my second complaint with the same issue with BBVA credit card. I'm owed a {$110.00} credit which I have asked be credited to my account in response to their response to my previous complaint. 
BBVA has provided details of a credit they insist have issued me but I have never received it. First, I never authorized them to credit my checking account. Secondly, they have provided confirmation of a transaction with XXXX on my behalf but I don't bank with XXXX. 
Speaking with their customer service yields no result and I have not been issued the credit owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I entered into a contract with XXXX XXXX to settle several of my credit card debts, including one with Walmart. XXXX XXXX successfully settled this debt in XX/XX/XXXX. About two weeks ago this debt showed up as a collection on my credit report. When I contacted XXXX XXXX they confirmed it had been paid. They have been working to clear up the problem and said that the collection agency that reported it was XXXX XXXX XXXX. Today I received a phone call, not on my phone but on my sister 's phone ( my secondary phone number ) from someone saying they were from XXXX XXXX and they wanted the last four digits of my social security number for identification purposes. I would not give it to them. I told them this debt has already been paid, should never have been put in collections or on my credit report, and would be reported. They said if I would just give them my social security numbers they could help me. I refused and they hung up on 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 2022-03-16
Company: Experian Information Solutions Inc.
State: TN
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:
Since XX/XX/XXXX, I have written four certified letters ( attached ) to Experian regarding inaccuracies and FCRA violations of the XXXX XXXX account XXXX on my Experian credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. Both of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The XXXX XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An invalid, incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them.

3. ) An incorrect Payment History and Date of Last Payment 4. ) Clear re-aging of this account This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.

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 2020-03-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 I received automatic messages from Citibank fraud prevention department asking for verification of several transactions made on my account. I replied to those messages specifying that those transactions were not made by me and denying any acknowledge of the purchase amounts referenced on the text messages. Then, I received a call from a representative who asked me details about the transactions that did not look as regular transactions that I could have done, based on my purchase history. I answered on that call that I had not done any purchase with my card that day. I agreed with the representative that my account should be closed for security reasons, so he proceeded to close my account and a new account was issued and sent to me a few days later. The representative did not advised me to file a police report or contact any other office at the 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 2023-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit 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:
Capital One Case number : XXXX My credit card is issued under my former name, XXXX XXXX ( Ive asking them multiple times for change it but they never did. ) XX/XX/2023 I purchased a year-long soccer program from XXXX XXXX for my daughter, XXXX XXXX , for {$450.00}. The order number is XXXX. On XX/XX/XXXX I was informed by the soccer organization that the season was cancelled and everyone would be issued a refund. I email about my refund but received no response and disputed the transaction action on XX/XX/2023. On XX/XX/2023 Capital One reassessed the {$450.00} charge and requested a receipt, signature and communications which I then provided to them. On XX/XX/2023 I received another letter from Capital One stating that what I provided was not sufficient and they considered the matter closed. I contacted XXXX who claimed they did not dispute the chargeback from Capital One that they received on XX/XX/2023 therefore I the funds should have been returned to me from Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit 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:
Card was stolen. I have had to call capital one 4 times already to try and get the thieves to stop charging my card. They have sent me new cards but the thieves are still charging my new card. CapitalOne has assured me multiple times that the charges would go away but they have not. I don't want to call every single month and talk for an hour and have to get a new card every time someone uses my new unopened unactivated credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, Pa XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my XXXX XXXX credit report. I recently retrieved my credit report and it showed 3 credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report : 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 2020-03-07
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On the website it States that I owe now more than I owed a year and a half ago. I owe over 6000 on a XXXX dollar loan and the payoff for 10 days was recently XXXX. They already repossessed me once and made it so difficult to get my car back when I was pregnant in XX/XX/2019. They are now telling me that i will be paying close to 15000 by the time the loan ends. All of it goes to interest and the car is not even worth that much anymore on XXXX. About 4000. I did a lot of research into this company and they are known for scamming people into thinking its something it isnt. I do not have good credit because of things such as repossessions and credit card debt and so my XXXX XXXX XXXX wont refinance me. They wont let me get out of this loan and I need to! Before I got a title loan I owned my car for 2 years paid it off for XXXX in 8 months. Now I have a child and I lost my job. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My services were cancelled at XXXX XXXX XXXX XXXX # XXXX XXXX CO XXXX on XX/XX/XXXX. I requested a final bill be sent to me. XXXX/XXXX   never sent a final bill and they abruptly place a negative collection mark on my credit reports with XXXX, XXXX and XXXX. That has seriously damaged my credit and is in direct violation of FDCPA laws.Furthermore it appears my account may have  been transferred to Enhanced Recovery Company who i have never heard of. That is a double FDCPA violation because not only didnt XXXX/XXXX  not send me a final bill and damage my credit, Enhanced Recovery Company never contacted me in anyway to send me any collection notice and took away my right to dispute. I am asking for XXXX/XXXX  and its collection agency to immediately remove any reporting to the 3 major credit bureaus and send me a final bill. The amount showing on credit reports is {$150.00}. Online account shows a different amount and there are no bills available to view online so there is no valid proof of debt available to me. I am unable to view any bills online and last bill i received was XX/XX/XXXX. In my discussion with XXXX and chatting with agent by the name of XXXX, I was advised if i want it removed from credit bureau i have to either pay in full to XXXX or to the collection agency. here is the excerpt below from our chat session XX/XX/XXXX at XXXX 1. We can process the payment for the final bill then I will submit a request to remove the credit report, however, the removal will take up to 30 days from the date of the payment. 

2. You can contact the Enhanced Recovery and make a payment with them directly for a faster removal of the credit report, XXXX. 

I advised that I am not paying anything without seeing the final bill first and furthermore having the negative reporting deleted first. 

This further backs my claims of illegal tactics by these companies.

Company response to consumer: Closed with explanation