BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Happy to send along credit card statements emailed to me : Upon receiving the email/link to pay credit card monthly I had a credit statement paid twice on the same bill. This resulted in me requesting a return of the second payment. BOTH payments were equal to or greater than the bill statement for that month. They took up to 10 days to return it to my account. Consider ETF take no more than 24hours to the payment company request. 
My next statement show a credit of {$54.00}, upon calling to confirm this amount and there was NO DUE balance within this credit cycle thus no payment due at due date payment. Next, I get an email stating my account is past due. They had changed the balance of the statement outside the statement cycle. Then proceeded to file a late payment notice, and in interest charge when the bill clearly showed no payment due until the next billing cycle. They had changed the card balance outside the billing cycle. Then, even after I paid the full balance based on the email/statement they then sent another finance charge on what they stated was unpaid balance. This Capitol One Visa card was always balance paid in full based on billing cycle rotation. NEVER EVER late. I am furious with this inconsistent, accounting practice this credit card company as gotten away with. I expect a solution to their changing billing statements due outside the original billing cycle. Then, not alerting the customer as soon as these changes are made so I can cover it, instead waiting till the next billing cycle and showing late payment inside the 30 payment cycle. FIX THIS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: JPMORGAN CHASE & CO.
State: FL
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: Received unwanted marketing or advertising

Complaint:
Years ago, I closed an account with chase. My password and user id no longer worked. Chase began sending emails soliciting me for credit and monitoring me. The only way to unsubscribe was to open my account and change my preferences, which I could not do since my username and password no longer worked. I finally found a number to call and was promised they would stop. This was about 3 months ago. now the emails have started all over again. There seems to be nothing I can do to stop them. They are also monitoring my credit. I want them to stop monitoring me and stop the emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In XXXX bankruptcy court discharge a loan on my home from Suntrust Bank yet the lien was never removed. Since XX/XX/XXXX I have been contacting Truist repeatedly to no avail to remove the lien because I am under contract to sell my home. I went to my local Truist branch and submitted the XXXX  papers, my husband death certificate, loan number and court documents showing me as my husband personal representative. The branch manger also submitted the documents but they have not and will not even respond to the branch manger. I also told the title company to just send a check for the amount so that I can close even though it was XXXX. The title company was told as I that they can not find the loan. This has been the case every time we reach out to Truist, there is a different person every time you call and no one is willing to help or give guidance on how to remove this old Suntrust lien from my home so that I do not lose the buyer for my home. 
I am begging for help so that I can sell my home. Please help 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 2021-01-16
Company: EQUIFAX, INC.
State: OH
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:
Looking over my credit report and notice there are some accounts that are paid in full and some that aren't mine. I've included the accounts below that I'm disputing that are impacting my credit report negatively : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: SANTANDER HOLDINGS USA, INC.
State: DC
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 called the banks to inform that the credit inquiries were identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards of items on my credit report it has been well over 30 days I havent received any investigation results. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602 A 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 accounts without my written instructions. 

Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: CITIBANK, N.A.
State: OR
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:
On XX/XX/2022, I responded to an email offer from Citibank to apply for their XXXX  card and receive XXXX bonus miles after I spent what I think was {$3000.00} in the first three months. I was instantly approved for the card. Today, I called the customer service department to find out what amount of purchases I needed to make in what time frame to get the XXXX mile bonus. The woman who was helping me said there was no bonus offer on my account. I was then cutoff, and had to go through the computerized system again to get to another customer service agent. I believe I was speaking with the same person, and asked to speak to a manager. She said she would take notes, and then I was cutoff again. 

I am very clear that I responded to a marketing email specifically sent to me in my name offering the bonus if I was approved for the card. I am extremely dissatisfied that I have been told I am not getting that after spending several XXXX dollars on their card. I feel totally deceived and ripped off. I am also very unhappy that the person on the front line can hang up on customers who are trying to resolve a problem.

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 2023-10-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THESE INQUIRIES ON MY CREDIT REPORT WAS NOT UNTHORIZE BY ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2021-08-03
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I noticed XXXX was charging 2 different finance charges on my bill. Upon questioning them about it, via email and phone call, I was told it was due to their Terms had changed. Now, I was aware of the terms changing, but did not think it would result into 2 different finance charges each month thereafter the terms changing. The only way I could have gotten out of those terms ( according to the supervisor I spoke with ), which was also not stated in the message I was sent online, was to close my card. The way they did this, to me was double billing, in turn against the law according to the Credit Card Accountability and Disclosure Act of 2009. They said its not double billing because of the way their terms are noted. The APR is the same from the past and current Billings. However, Im being charged for the finance charge before the terms changed and the finance charge of after the terms changed. This just does not seem right. I have closed my account with them as of today due to all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Investigation took more than 30 days

Complaint:
Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint FTC Report NumberXXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$7900.00} XXXX XXXX XXXX Balance {$160.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX {$0.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XX/XX/XXXX - Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry XXXX XXXX XXXX. XXXX, XXXX - INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - INQUIRY XXXX XXXX. XXXX, XXXX - INQUIRY

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 2022-11-29
Company: Sunlight Financial LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
We signed up for solar panels through XXXX XXXX XXXX XXXX The loan company was Sunlight Financial and then XXXX XXXX took over the loan. We were told we would get a {$5600.00} rebate 4-6weeks afylter installment and we would also get 26 % tax credit on our taxes to pay towards the loan or it will go up. And the panels would produce enough electric were it would cut down our electric bill or eliminate it all together. We didn't not get any cancelation paper letting us know we can cancel. They copied my husband 's signature onto XXXX XXXX paper work without our knowledge or even letting us read the documents. They caused my bank account to overdraft. I switched the due date, which XXXX XXXX agreed, but they took the payment out before the due date. No we are stuflck with our full electric bill and a loan that will go up soon. I have 3 kids and can't afford to pay both these bills and provide for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: BARCLAYS BANK DELAWARE
State: OH
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:
On XX/XX/2022 I sent out a letter asking for them to send me my form 1099-c that they should have sent to me when when they filled the account as a canceled debt/ Charge off to My address. i have not heard back from them at all.

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 2022-09-20
Company: Alliance Collection Service
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a phone call from a representative who stated they worked for Alliance Collection Services a few months ago. Rep stated I owed {$370.00} for a medical bill. Rep requested my credit card info over the phone to take care of bill. I immediately informed the rep that I have no recollection of what debt she was stating I owed. I requested that they send me the information in writing to properly confirm it because I'm not comfortable giving my information over the phone. To date, the collection agency failed to provide me a written notice of the debt I owed. Feeding forward, I was served ( summoned ) a demand letter from XXXX XXXX XXXX at my place of employment which stated I was being sued by Alliance Consumer in the amount of {$600.00} ( includes attorney and court fees ). 

I called Alliance to gather more information on why I never received my written request to verify the debt. The rep stated that they mailed me a letter. I ask the rep to verify the address they sent it to. The address in which she provided wasn't my mailing address. They were sending the correspondence to the wrong address hence the reason I never was able to take action on the request to pay. I informed the agency that I will pay the {$370.00} in which I now see was owed ( in writing ) however, I want to make a complaint on suing me for debt without providing written notice prior to as I requested months ago. I want my money back for the additional court/attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$260.00} ; XXXX  XXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$190.00} ; Medical XXXX Balance Owed : {$3600.00} ; XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-06-27
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:
XXXX accordance with the Fair Credit Reporting act XXXX account # XXXX & XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX all have violated my rights.

15 U.S.C 1681 Section of 602 A States I have a 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.

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 2022-07-28
Company: EQUIFAX, INC.
State: NY
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: PA
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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

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 2022-09-20
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: Credit inquiries on your report that you don't recognize

Complaint:
well I have inquiries on my credit report that do not belong to me, there are 11 inquiries, I have false names and addresses that do not belong to me as well as collections, I have called and disputed online, but it is very difficult because they do not know my right to dispute even my real name, telling me that the process went wrong and that it is 30 days, on the other hand that affects me having so much fraudulent information in my credit report

Company response to consumer: Closed with explanation