BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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/2022, I placed a dispute # XXXX with the Capital One credit card dispute department against a merchant ( XXXX XXXX XXXX ) that after processing a transaction on my credit card for the amount of {$170.00} the sale associate did not give the item. I called the phone number provided in the email and spoke with a customer service representative. I splain that the merchant charge my credit card and never give me the item due to the sale associate was in an argument with another customer and the sale associate stated that they need to verify their inventory. I wait until XXXX XXXX  went the mall was about to close but this merchant refuse to provide me with the item. Once I arrived at my car I call Capital One customer service and report the accident. On XX/XX/2022. I received an email from Capital One Bank stating that they were working hard and need more documentation. I provided the purchase receipt and some flyers of the purchased item. 
On XX/XX/2022, I received an email stating that my claim was denied. I called the Capital One dispute department and requested the reason, they said I did not provide sufficient documentation. I splained again what happen the customer service representative said that the person I previously spoke to had placed the dispute as a refund request. I specify how I can request a refund if I never received the item. He direct me to place another dispute indicating that I never received the item. Today, I received another email from the Capital One dispute department stating that my claim was denied. I called customer service and request to speak to a manager. The manager XXXX said the determination was final and there is nothing I can do to get the transaction reversed because the merchant had provided financial documentation proving that they give me the item. I do not know what documentation can be provided to prove that I did receive the item because I did not receive the item and the only thing I have is the receipt and the phone call I placed to Capital One on the same day of the accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Genesis FS Card Services, Inc.
State: CA
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:
Indigo credit card companies website does not show transactions of purchases and can not navigate through the website only by phone calls and they keep on changing withdrawals from the account and can not use a credit card for 14 to 21 days after making a payment.Logging onto their website try to hit contact or anything on the website shows no pages found

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: JPMORGAN CHASE & CO.
State: CT
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:
Chase Card charged an {$95.00} annual fee on XX/XX/XXXX that includes travel insurance. In XX/XX/XXXX, I filed a travel insurance claim and Chase has not responded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: IN
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 Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 FCRA Act section 611, gives you the right to request an explanation of the verification method used by the CRA

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 2022-06-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
This isnt exactly the category I selected but its the closest I could find. My fifth third bank account was hacked. The address and phone number on file were changed as well as the online banking password. This is a secondary checking account that I rarely use so I dont check it often. When I realized I couldnt login on XX/XX/22 I spent hours reaching out to fifth third, dealing with rude representatives and got the run around because I didnt have the phone and address on file, because it had been hacked and changed. I was finally advised that I had to go to a branch which was extremely inconvenient because fifth third is not prominent in North Carolina and its not close to reach a branch. I visited a branch and was able to review the transactions on my account. There was a {$10.00} XXXX transaction made on XX/XX/22, I have never used XXXX in my life. Later there was a mobile deposit of {$1400.00} on XX/XX/22 that I did not make and a check copy was not provided to me. Following that there was a XXXX transaction of {$400.00} and {$600.00} on XX/XX/22 as well. As stated, this is not my XXXX account nor my activity. On XX/XX/22 the check for {$1400.00} was returned and noted as fraud on the statement. This over-drafted the bank account resulting in several fees and rejected payments for reoccurring transactions. I received a letter dated XX/XX/22 that the dispute for {$1000.00} has been denied because they feel the transactions were valid. 

I am on XXXX as my only source of income. In XXXX, I had no access to my funds because they were used to cover the overdraft amount and now I will not be able to recoup any of that money. They will not assist in getting me access to my online banking so I am still in the dark as to whether or not additional fees are being added to the account as its likely still in the negative since they are denying my claim. 

On XX/XX/22 I filed a complaint with the XXXX and the dispute was reopened with Fifth Third. I spoke with a representative who confirmed that I was a victim of account takeover. He was able to access that the transactions were made in XXXX ( Again I live in XXXX, NC ) and also that several logins were done on a XXXX device, I have XXXX XXXX XXXX. I am sure this conversation can be confirmed as these calls are allegedly all recorded. I received correspondence today that the fraudulent activity has once again been denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-24
Company: Klarna AB
State: AZ
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 initiated a purchase with the merchant XXXX on XX/XX/2022 with a Buy Now Pay Later servicer called Klarna. Through the Klarna service I created a one-time card for {$560.00} and the credit card I used to split the payments was charged {$160.00}. The merchant charged {$560.00} as an authorization until the items shipped. On XX/XX/2022 part of the order shipped and the card was then charged {$320.00} and was delivered on XX/XX/2022. The other half of the order was cancelled on XX/XX/2022 by the merchant and released the authorization hold for {$230.00}. I initiated a return with the merchant to ship back the part of the order I did receive and was issued a refund in the amount of {$300.00}. Also the balance on the Klarnas end should only be {$22.00} since the merchant confirmed the refund and authorization release. I have reached out to Klarna numerous times and they have refused to assist me, even after providing proof that the merchant did not charge the card and released the funds. This is clearly abuse on Klarnas part as they have made no effort to review their systems and correct the error. The merchant has been more than helpful in providing proof that they have indeed refunded and released the authorization hold. 

Klarna is attempting to steal money from me by not acknowledging the authorization hold release and providing me a refund to the credit card I used to split my payments with their service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 truly appreciate that time used the Experian to remove 5 fraudulent inquiries from my credit report. And the XXXX have managed to remove one fraudulent inquiry as well. However, I still need the 9 remaining fraudulent inquiries to be removed. So, I am requesting another INQUIRY REMOVAL process from the Experian and XXXX bureaus. Please see the inquiries below to be removed from my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-26
Company: OPTUM BANK, INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since opening the XXXX account around XX/XX/XXXX, I have been unable to invest the funds in my XXXX account with Optum Bank. I have tried approximately 7-8 times on their website ( " We are unable to process your request at this time. For assistance, please contact us or try again later. We apologize for any inconvenience this may cause. " ). When I emailed support, they sent me an encrypted message on XX/XX/XXXX that was incredibly cumbersome to open with nothing helpful " Due to the nature of your question, it would be best for us to assist with your request over the phone ''. When I called on XX/XX/XXXX, I spend way too long on hold. I need to invest these funds as markets have increased, leaving me with over {$300.00} in missed gains. 

Optum Bank should be stripped of its FDIC membership. They have continually failed to resolve the basic issue of INVESTING. My money, and the money of other hard working Americans, is not safe here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is an ongoing issue. I have brought my credit scores up from the mid XXXX 's to currently XXXX in the past 3 years. This is according to all XXXX XXXX ( XXXX, XXXX and Experian ). However, according to Experian, my XXXX  scores are as listed ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  shows only a score of XXXX and nothing related to XXXX ; XXXX shows XXXX and XXXX XXXX and Experian shows only XXXX  from what I can see. 
My issue is why they haven't questioned the " fico '' score for transunion still being XXXX when that was the low score 3 years ago but the other XXXX have since increased. I have contacted all XXXX places asking this. XXXX is doesn't show the XXXX anywhere. Why does Experian show it and why can't they just address it? 

Even XXXX XXXX reflects the XXXX that XXXX and XXXX show. They all have the same information.

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 2022-11-28
Company: Self Financial Inc.
State: FL
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:
They are incorrectly reporting as " Paid out of collateral ''. There was never any collateral and there was never any money lent to me. This was supposed to be a savings account- for which they kept the money ( I was told would be returned ) and never provided me with a loan or any kind of service. I made multiple written requests for them to validate the debt or provide evidence of the collateral in question for which they have ignored for more than 60 days now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Since XXXX of 2023, Synchrony Bank has been destroying my credit by closing nearly every single account with their bank. Every account was in good standing and I have not missed a single payment. 

My income has increased significantly, and I have been able to pay off a lot of debt. Apparently this XXXX them off, because Synchrony FALSELY and FRAUDULENTLY claims on their " closure letters '' that I have " lack of real estate secured loan information. '' As I have verified with my mortgage company and all three credit bureaus that my mortgage, is in fact, being reported on my credit files.This means that they have committed fraud in sending these letters. 

They also claim an unpaid collection. This collection account that is listed is not mine, and is in the process of being removed. This collection was on my report when I applied for the accounts that they have closed. I have since had several false collections removed, and was able to increase my credit score significantly from this, until Synchrony started closing accounts- some without any notice until I was at the cashier 's stand and was embarassingly told my account was closed.

Synchrony has also been pulling my credit report approximately every two weeks. WHY? I did not authorize this. No bank on earth needs to pull their customer 's information that often. It appears that they are hunting for something there, but what, I do not know. Perhaps they want to verify that the damage to my credit is complete so that they can sing and dance on my credit grave for their XXXX poor business practices? Who knows? 

My credit scores have now dropped nearly XXXX points due to their false and fake reasons for closing my accounts that were in perfect standing.

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 2021-08-02
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank Account opened with Comerica Bank - Comerica - received checks and also a received a copy of a altered or fictitious check that was deposited in the account - didnt open account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
1.XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. 

2. XXXX Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

Per the FCRA 611 ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried multiple time to contact TransUnion to left the freeze on my credit report and have yet to receive anyone to help. I have put my trust hoping that this issue would be resolved but now Im very concerned and worried that I am a victim of fraud and if there is someone that can actually help me figure this out. This freeze on my credit has ultimately put me further and further in debt and has prevented me from any unemployment or financial help! Pls pls 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 2023-10-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following accounts. These companies, EXPERIAN, XXXX and XXXX have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 
Also inclouded will be inquiries that I have no connection with and not doing any business. These inquiries are causing negative effects to my credit profile and I wish to also have them removed. 
I am including photos of my identification so that any incorrect information including wrong addresses and incorrect names. 
Closed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Laws connected : Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ).

604 ( 15 U.S.C. 1681b ).

604 ( a ) ( 3 ) ( D ) ( 15 U.S.C. 1681b ( a ) ( 3 ) ( D ) ) ;

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