BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: SYNCHRONY FINANCIAL
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have attempted to contact sams club synchrony bank regarding fraud on my card and opening a totally new account. I need help!

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 2022-09-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The company reporting late. But the company sent two checks from the bank. I wasn't about to setup direct immediately, therefore the bank had to send our a check. When the checks returned it cause the account to be 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
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$4500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.

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 2020-04-22
Company: BARCLAYS BANK DELAWARE
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I used my Barclay Aviator MasterCard to purchase a trip from XXXX for 6 people leaving XX/XX/XXXX through XX/XX/XXXX of XXXX. The cost of the trip was {$9000.00} and I paid it in full. I have all receipts including my credit card charge, receipt from the online site and travel itineraries. In XXXX, I had contacted the online site regarding possible cancellation and refund for the trip but was reassured by them that as long as I canceled by XX/XX/XXXX I would have a full refund. In XXXX, when the covid-19 began to worsen in the US, I attempted without success to reach XXXX via their three different phone numbers and was given a XXXX number which means phone was disconnected. Within days, a message showed up on their site saying they had closed their doors and canceled all trips but no refunds would be issued and customers were to contact our credit cards in hope of getting refunds. I have now minimally twice contacted my credit card because I paid for something and was scammed without received what I purchased. I should have protection from my Mastercard in situations like this. I have submitted all receipts, itinerary Etc and has been denied each time stating it was a pandemic and out of their control according to my MasterCard.

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 2022-04-01
Company: Experian Information Solutions Inc.
State: MS
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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Pursuant to XXXX XXXX XXXX XXXX - Timing of payments each person reporting LATE on any of my accounts on my consumer credit reports are in violation! XXXX, TransUnion, XXXX, you all have failed to comply with Federal and State Law. All my accounts needs to be updated as PAID ON TIME. Pursuant to 1681 ( a ) ( 4 ) unfair reporting of information before consulting with ME. I have disputed these items at first, and you verified them without consulting with me. They ( XXXX, XXXX, and TransUnion do not even have proof that the alleged transaction took XXXX & they we're impartial in their actions because they furnished unverified information based off of one sided information ( from the corporation alone ) and by the way they ( XXXX, XXXX, and TransUnion XXXX XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX XXXX XXXX Bank ) held a conversation without my knowledge about me & my private business & communicated unverified data that's definitely an infringement on my right to privacy & they weren't there to witness that transaction so the information they have is here say it NOT factual information.

Pursuant to 1681 a ( d ) ( 2 ) ( a ) ( i ) you are in my personal business and that is a violation.

There should NOT be ANY LATE payments on my account for any reason. This is a demand, I am not asking nor am I telling you to Investigate because it is clear and evident you are not to be trusted. So you listen to me and comply with my demands. You have to correct your errors right now! CFPB or FTC forward my demands to the following persons mentioned, XXXX XXXX Bank, XXXX XXXX Bank, XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX  all have violated section 15U.S.C 1666B timing of payments. ALL PERSONS THAT VIOLATED WILL BE ATTACHED.

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 2022-09-09
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 belongs to someone else

Complaint:
I wanted to buy another home so I looked at my credit in XXXX of XXXX, there are alarming accounts and inquiries that I did not make. This is disheartening as I worked so hard on my credit to be in good standing for the past 7 years since college. I have an account with XXXX who as everyone should know by now has gone through more than 3 breaches in the past couple of years. I do also recall missing my purse. I lost my purse on my birthday at the club some time ago in XXXX. Though, when I returned to the club the next day to see if I could find it, to my surprise the club owner gave it back to me with all my belongings still intact so I thought nothing of it. I don't know who could have stolen my information or sold it off for that matter. Again this is disheartening as I have reached out directly to XXXX, Transunion and XXXX several times on this - presenting them with all necessary documentation and still have not received any help or guidance. They have yet to respond by deleting all the fraudulent information on my credit report. I paused on putting an application in for a new home and hate that I have to go through all of this. I just want to be treated fairly, I am utterly disappointed in both XXXX and XXXX and Transunion. The accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts.. XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Quickly delete the items from report as soon as possible.

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 2022-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # 1 Capital One Auto Finance XX/XX/2016 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX continues to report inaccurate data onto my credit report with XXXX and Experian. See attached screenshots of my credit report, XXXX XXXX has not validated this collection and they continue to not report the first delinquency data to XXXX and Experian and XXXX and Experian continues to not report the first delinquency date and ignores my disputes regarding this issue that is clearly causing my Credit score to drop. I am in fear this company XXXX XXXX systems and XXXX both by not investigating this has caused my credit score to suffer grave damages for years. This is for account XXXX <<<< This complaint was made regarding two separate accounts listed by account number. This is not. A duplicate or repeat complaint this is a new complaint.

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 2022-04-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On  XXXX / XXXX /   2017  I received m y Citi car ds statement which included a late payment penalty.   I am very careful about paying my cards and pay them early and in full every month. I remembered paying this account and I have had this account for many years.  I called Citi cards  and told them they have a problem as I paid that account. They gave me a hard time, so I cancelled the card. I then paid the account in full and called to redeem my cash rewards. On  XXXX / XXXX / 2017  I received a statement fro m Citi  cards for a recurring charge made on  XXXX / XXXX / 2017 . I called  Citi  and told them I had cancelled the card on  XXXX / XXXX / 2017  and they issued a conditional credit. On  XXXX / XXXX / 2017  I received an email fro m Citi sta ting that I had a new message in the message center. I checked the message center and found no new message. I continued to check the message center for several days and found no new messages. I then received a letter fro m Citi sta ting that they had reversed the credit. I checked the message center again and now found the message had been posted. That tells me that they ha ve an IT problem. I called Citi and asked why I was responsible for a charge made on a card I had cancelled. They told me if I did not pay, it would ruin my credit. On top of all that, I had returned the product. USPS  tracking  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 2022-09-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I open my Equifax Portal I have not been able to get my credit score in months. I have complained and the problem has not been corrected. See attached document. This is what I get when I log into equifax from several separate devices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: SIMMONS FIRST NATIONAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
To Whom It May Concern, My mother, the illustrious XXXX formerly known as XXXX passed away on XX/XX/2019 largely due to Simmons banking policies which made it impossible for her to access her bank account from overseas despite their misleading Bank Anywhere promotions to afford more potentially life-saving treatment, like XXXX XXXX XXXX for her XXXX. Even the kind intervention of her personal banker, Ms. XXXX XXXX could not help her to access her own money in her own account due to your lack of international policies governing access to accounts and/or confirmation of identity. 

Today many of my mother 's documents were ceased from her assistant in XXXX who was attempting to have her funds wired to me because they feared that Simmons Bank in Arkansas would not release her funds to anyone, either after their experience with Simmons Bank in trying to get access to her own funds for much needed medical treatment before it was too late. I learned that they tried to have the funds wired to my bank account, after we met them and had her documents returned to us here in XXXX.I might add that my mothers assistants have been of invaluable aid to my mother in her last days, despite their recent mistakes and mistake filling out her SS form some months ago. 

My mother 's bank account number is : XXXX Her SS end is : XXXX Mine ends in XXXX I WOULD LIKE TO RECEIVE INFORMATION ON THE PROCESS OF HAVING THE FUNDS IN THE ACCOUNT released to her next of kin/executor which I am. I have asked Simmons Bank to provide this information to me. 

I have provided a photograph of the death certificate for my mother to Simmons Bank.This document is issued only once to the next of kin in XXXX, so I can not send the original as it is irreplaceable. It is a picture that was taken with my phone. My mother was a XXXX citizen and I am here in XXXX after having buried her here as was her request. I am an American citizen living abroad, however I do have a US address and bank account. Again, I would appreciate it, if you would assist me in having Simmons Bank let me know the procedure that I must follow to take possession of my mothers funds as next of kin. After my mothers tragic experience with Simmons Bank, I expect them to be very uncooperative.

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 2022-03-14
Company: JPMORGAN CHASE & CO.
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:
JPMCB CARD is showing that I applied for a credit card on XX/XX/2021. Reported by XXXX. I did not apply for a credit card to this company on this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX ( Original Creditor : MARYLAND XXXX XXXX XXXX ) XXXX {$750.00} FCO ( Original Creditor : XXXX XXXX AT THE PARK ) XXXX {$4900.00} XXXX XXXX {$790.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a daily call everyday around the same time of day noon, I have sinced blocked them and sent them a cease and desist letter and a validation lettr of the debt by certified mail and the calls still are coing they are trying to colect on a debt that my wife had a long time ago i thnk it may a student loan but I also fond out that they are not allowed to collect on a student debt. the first time I ansered the call they threatened me with jil for interrupting thier process of collecting on a debt and was very rude. I told them my wife was not here and not at this number and the lady caled me a lair and said she was ther and to put her on the pone. that is when i hung up and blocked them I am on the do not call list but this group still gets through it everyday. The group is XXXX and XXXX XXXX and the the info information show XXXX Ga but their main office is in XXXX XXXX SC and XXXX XXXX is the CEO XXXX XXXX XXXX. I have given them my wife 's number but they want call her they keep calling me and if I had a debt that they were collecting then they should tell me what it is. I want the calls to stop and I have asked them to send it in writing for the debt and the lady said she didn't have to do that. I mailed the letter yesterday and the post office was asking for a secondary adress which I can't find soit may go for nothing and be a bad address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear CFPB, I am writing to notify CFPB of Capital One 's unethical and unfair credit card online payment and late fee practices. 

I'm a first generation college student and ran up some debt while working on my XXXX XXXX. I have two credit cards with Capital One that I plan to pay off by the end of the year, but I've had to make smaller minimum monthly payments in the meantime due to my financial situation. 

Most credit card companies allow their customers to pay their monthly dues online up until midnight on the due date. However, Capital One only allows their customers to make online payments until XXXX. 

Unfortunately, I missed the XXXX threshold three times over the past month because I was either not awake or in an area without internet access ( e.g. the subway ). Nonetheless, I still scheduled my online monthly payments before midnight on the due date, which Capital One processes as late payments on the following day. 

I was charged three late fees as a result of missing Capital One 's XXXX cut-off over the past month -- {$40.00} on XX/XX/XXXX, {$29.00} on XX/XX/XXXX, and {$40.00} on XX/XX/XXXX. 

I have already been in contact with Capital One on XX/XX/XXXX and XX/XX/XXXX to see if they could waive these late fees since I tried to make my payments on time and in good faith. They told me there's nothing they can do about it. 

Paying {$100.00} in late fees for missing Capital One 's XXXX cut-off is theft. I remember when Capital One 's credit card late fee was around {$10.00} not too long ago. Why does the U.S. government even allow predatory companies like Capital One to raise and charge late fees this high? 

On behalf of U.S. citizens and consumers, I am requesting that CFPB investigate Capital One 's online credit card payment and late fee practices and hold them accountable in court. Customers who have tried to make their online payments on the due date before midnight should be refunded.

Company response to consumer: Closed with monetary relief