BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-30
Company: SYNCHRONY FINANCIAL
State: FL
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:
I had a promotional account with Synchrony bank to finance flooring for my home, and realized I had paid thousands of dollars of interest in only 18 months. ( This would have been XXXX XXXX over 5 years ). 

I was viewing my loan statement on XX/XX/22 when the amount owed struck me as odd. This account is set to auto-pay so I don't pay much attention to the amount usually, but this time for some reason it stuck out. 

When I signed onto the account and checked my statement, I discovered I had been paying 30 % interest for year and a half. I never received a notification of any kind that the promotional period had ended ( it was for 12 months ). After speaking with the bank directly, they pointed out that the statements near the end of the promotional period have the verbiage written within them that the promotional period is ending. This lack of information resulted in a paid interest of {$4400.00}. This was nearly 75 % of the entire loan amount. The bank only offers waiving interest within 30 days after the promotional period has ended. 

It is my feeling that such an exorbitant amount of money ( which was paid in only 18 months ) dependent on fine print for the average XXXX consumer is bordering criminality. I am not rich, nor am I a business. The fact that all of the personnel I spoke to from the bank mentioned that the information of the promotional period was available in a prior statement ( no longer available online ) indicates that there is no other method of communication for the customer. This kind of purposeful informational neglect by a bank should not be allowed, and there should be a more proactive approach to alert the consumer that such a charge is taking place.

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 2019-11-23
Company: Experian Information Solutions Inc.
State: VA
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:
Unauthorized hard credit report inquiry from company " 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 2022-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have several credit cards and one loan open in my name without my knowledge, I also filed and police report with the XXXX XXXX police department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent a method of verification letter to Transunion on XX/XX/22 for a collection account that has been on my credit report and is inaccurate. I requested they verify how this collection is mine. The collection is showing under a company called : XXXX. The claim they were able to verify this account as accurate, but that is false. 

I also sent Transunion a dispute letter on XX/XX/22 for two accounts showing on my credit report that are also inaccurate. The two companies on the dispute letter are : 1. XXXX XXXX XXXX and 2. THE XXXX  XXXX XXXX  XXXX XXXX I have included those letters with my complaint. 

In addition, I am including a copy of my most recent XXXX report that is dated XX/XX/22. You will see no collection is reported, and no collection account has ever been reported. I also dont own any account with XXXX  XXXX XXXX or THE XXXX XXXX XXXX XXXX XXXX, nor have I ever owned accounts with those companies.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXX-acct# XXXX  XXXX  XXXX  -acct# XXXX XXXX XXXX XXXX-acct# XXXX
Us dept of EDU/XXXX/XXXX-ACCT# XXXX  
* IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT #XXXX, XXXX, XXXX, & XXXX  HAS VIOLATED MY RIGHTS.

* 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY

*15 U.S.C 1681 SECTION 604A SECTION 2:IT ALSO STATES CONSUMER REPORTING AGENCY CANNOT FURNISH AN 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 2021-02-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
For almost 4 years I have been complaining regarding a stolen XXXX card, theft, identity theft, impersonation, and fraudulent payments that allowed the credit limit to be exceeded. I have been denied information that would have proven the fraud such as payment methods used by the thieves and phone conversations. Yesterday I received the attached response from Consumer Financial Protection Bureau stating the account was going to be finally re-investigated and may take up to 90 more days. ( 0 more days is more than 4 years after the fact. I request a speedy investigation by XXXX Experian XXXX XXXX. Per the FCRA, the validity, completeness and accurateness should have been accomplished long 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 2019-11-14
Company: AMA Advisors, LLC.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had a construction/rehab loan. I had reached the maximum number of withdrawals from the escrow account, after which I was not allowed to make any more draws on the account. The servicer ( Homebridge ) refused to have the balance of the account applied to the principal of the mortgage. This cost me interest, as I am paying interest on the escrow.

After a year, I finally refinanced the loan. At this time, the servicer claimed that the account was closed and that the balance on the escrow account had been applied to the principal at the time of payoff.

This turned out not to be true. They held that money for ten months before sending me a check for the balance. During all this time, I have been paying interest on this money because it is still part of the principal that I owe on the mortgage.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: IL
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 without 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 XXXX. 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days 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 21 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

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 2022-06-19
Company: Experian Information Solutions Inc.
State: IL
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 with the fair Credit Reporting Act XXXX 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 an 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 2017-05-27
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This refers to the attached letter fro m Citibank.      In the letter it is stated " You opened your account online on  XXXX   XXXX ,  2016  ... '' This statement is false fo r two reasons 1. The accounts are never opened by clients. The accounts are opened by Citibank after app roving their applications.      2. I sub mitted my application on  XXXX   XXXX ,  2016 .  Citibank approved my application and sent my account documents via U.S.Mail on   XXXX   XXXX ,  2016 . I received these documents on  XXXX   XXXX ,  2016 . Hence, the account was effectively opened on  XXXX   XXXX ,  2016 , not on  XXXX   XXXX ,  2016  as claimed  by Citibank Acco rdingly, all requirements of Promotion  XXXX  were met and I am entitled to the Promotion cred it. Citibank is attempting to mislead me and the CFPB. Clients can not be held responsible for any delay on the part of Citibank in openin g the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment reported for XXXX of 2019 and XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements didnt reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Experian Information Solutions Inc.
State: CA
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:
To whom this may concern, I am writing this complaint because Experian has not responded to my direct requests for support and I am unable to resolve outstanding issues on my credit report. Specifically, the outstanding issues are : 1. ) Experian maintains two known to be false living addresses for me. Including an invalid XXXX XXXX and incomplete address in XXXX. Both of these addresses should be removed because I have never used these addresses. ( Although I have previously requested Experian take such action, Experian has not responded to my requests, nor does it appear as though an investigation was even started. ) 2. ) Experian maintains an unrecognized account labeled as " XXXX XXXX XXXX '', yet this account appears to be the result of identity theft and should be removed. I have previously disputed this information with Experian but did not receive a response. This record should be investigated and removed. 3. ) I am unable to access Experian online or access financial services because Experian maintains the incorrect addresses on my file. This makes it impossible for me to answer address verification questions such as " Have you lived at your current address longer than two years? ". This makes it especially difficult to access any financial service because the two invalid addresses on my credit report do not match addresses on my identification or the true address that I have lived at. It also makes it impossible to dispute items online or upload information here : https : //www.experian.com/consumer/upload/

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXXXXXX Account # XXXX  XXXX Account # XXXX XXXX Account # 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 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 2017-11-30
Company: Experian Information Solutions Inc.
State: IN
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 not my information : XXXX XXXX XXXX. Why is this still reported?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26
Company: EQUIFAX, INC.
State: CO
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:
Due to a change in employment and a move, I had to short sell my house. XXXX XXXX XXXX was my mortgage servicer. My account was closed on XX/XX/XXXX. 

In XX/XX/XXXX I received a credit report alert on a past due account. The alert showed that I was past due on my mortgage payment by more than 30 days. This situation caused my credit score to drop by more than 100 points. My credit score is usually in the high 850s. 

I contacted XXXX XXXX XXXX and was told that because my account was closed, they couldn't fix any errors on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
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 am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2022-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My XXXX XXXX XXXX son opened a XXXX checking account with Capital One. He was the primary account holder. Capital One issued my XXXX XXXX XXXX son a debit card. Capital One has specific guidelines about not allowing a XXXX  to use the account for adult sites and that Capital One would alert the guardian/parent. My XXXX XXXX XXXX son used a XXXX debit issued by Capital One to purchase adult content from XXXX. Capital one never alerted me. My son spent {$2000.00} on XXXX. Capital One violated its own published guidelines for this minor account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 previously notified you that I am a victim of identity theft

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 2022-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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:
XXXX from Bank of America reported account abuse to XXXX stating I owed money to Bank of America. When I phoned XXXX at Bank of America he agreed and sent me a letter stating the error would be removed from XXXX. 

I sent XXXX the letter from XXXX at Bank of America in addition to my dispute about the charge. 

This now has been over 14 months and XXXX is refusing to remove this incorrect reporting by Bank of America. I have phoned both businesss repeatedly to no avail. 

I am prepared to sue both companies as this is affecting every aspect of my life causing undue stress. I can not open a bank account, get housing, loan or student funding for college. 

My identity has been stolen over two years ago in addition to XXXX does not have the correct name for me. I believe this is incorrectly on my report and XXXX has made a gross error in addition to Bank of America.

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 2019-11-23
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call on Saturday, XX/XX/XXXX at XXXX XXXX  from XXXX. The caller informed me he was calling from FBCS about a debt. He claimed that I owed {$1200.00} but client was willing to settle for {$250.00} from XXXX for XXXX   XXXX  ( private student loan ). He knew my university ( but that could be available from social media ) but had an old address. He told me his name was XXXX XXXX and to contact him at XXXX to settle this debt. I did inform him that I already paid my student loans from XXXX  so I would contact the FTC as no loan from XXXX is in my credit history. Unfortunately, some of my information is on the dark web so I check my credit report for new creditors etc. frequently. I am disputing this debt and reporting the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Allied International Credit Corp., (US)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a debt collection notice in the mail from AIC ( Allied International Credit Corp ) in reference to an XXXX  account, claiming that I owe XXXX {$190.00} However, I don't have an XXXX account. Obviously a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: EQUIFAX, INC.
State: NY
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 previously notified you that I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief