BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: ERC
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:
I am not an attorney or third party rep and I have a legal right to dispute anything on my credit report. I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. I have been informed by ENHANCED RECOVERY CO L # XXXX. was/were deleted PERMANENTLY from my credit report. Now, I have discovered the item ( s ) have been REINSERTED on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: BARCLAYS BANK DELAWARE
State: MO
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 sent a dispute to Barclays to validate the debt being reported on my credit report. I contacted the company to resolve this debt and was informed that they would send me proof within 30 days. Instead, my information is being reported to a third party without my permission a violation of FDCPA 1692.809 ( a ) ( 4 ) This FDCPA covered entity and their business associates shared my personal information without my permission or having signed a release. My privacy has been violated, security and records have been breached. 

I am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this debt is valid.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have not received any confirmation on how you verified the alleged account attached in Exhibit C therefore request that you consider this final notice to your offices. Past this point, the CFPB will authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: AMERICAN EXPRESS COMPANY
State: GA
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 booked a hotel for a conference in XXXX Washington on XX/XX/XXXX for {$690.00} via American Express travel website. The hotel is over XXXX XXXX miles from my home. My reservation was for XXXX. I did not arrive at the hotel until Friday, XX/XX/XXXX. When I arrived at the hotel I witnessed that the hotel was not in any way the same shape that it was represented on the website. The hotel was in a very bad side of town, it There were roaches at check in, I brought this to the attention of the young lady that was at the front desk. I got my room key to head to my room. I took the elevator to my room and there were roaches in the elevator, as i went to my room there was a male and a female in the hall right by my room yelling, cursing and fighting. The hallway smelled like extreme XXXX. I entered my room and the room had stains in the carpet and on the sofa. The male and female were still in the hallways yelling and fighting. I immediately called American Express and told them that I booked this hotel based on their website. I did not feel safe for my life and the hotel was not clean or sanitized. I explained that I was leaving and I needed to find somewhere else to stay. I left immediately and found a different hotel. I stood outside and I explained to the representative that I was misled based on the pictures on the website. There is no way that I could have known that this was not a safe area being as though I lived over XXXX miles away. I explained that I was disputing this charge and I needed this to be escalated to receive a full refund. I was told I would get an email and American express would contact the hotel for a refund. Since I have spoken to 3 managers and received two emails from American Express, they were working on it and I still have not been refunded. I provided my flight and XXXX  information as proof that I did not stay at this hotel and I should be refunded. Access trip id : XXXX and reference # XXXX. My final call was on XX/XX/22, I spoke to a manager XXXX. She told me to send my flight and XXXX documents and she would have escalated to receive a full refund. I haven't heard anything since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a  Chase Sapphire Reserve cr edit card  on  XX/XX/XXXX . I   de cided to apply since my  credit score fro m  XXXX , provided to me by  Chase 's Credit Journey web site -- which details personal credit history to Chase Bank customers -- was a  XXXX   (  it is now a  XXXX  ). And I have had a credit card with  Chase  since   XX/XX/XXXX   ( now it 's called th e Chase Freedom c ard ) ; my balance for this credit card has always been paid off each month.  <P/> A letter date d XX/XX/XXXX  from Chase  Bank stated that I was rejected for this C hase Sapphire Reserve credit card due to " lack of recent consumer finance company account information. '' This letter arrived to my home on  XX/XX/XXXX .   <P/> O n XX/XX/XXXX , I called Chase 's customer service to get further information on what their rejection rationale exactly meant. They stated that they could see that I 've had my credit card with Chase for 9 years, which has never had a delinquent payment. They saw that I had finished paying off my college loans in  XX/XX/XXXX .   <P/> However, Chase Bank was basing their decision regarding my application on my credit report from  XXXX , and not from the  one  provided by  XXXX .  <P/>   XXXX   XXXX   credit report for me, however, was erroneous, since  XXXX  had not reported any information from  Chase regarding my Chase Freedom card. And Chase  knew that this information was erroneous since they knew that I had an active credit card account with their company for nearly a decade.  <P/> I wrote to   XXXX   regarding this error, requesting my credit report from them, since I could not apply for or access my credit report on their website or over the phone -- despite giving them my personal information each time I inquired. Attached below is a letter ( with blacked out personal information ) that I sent to them  on  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in XXXX of 2020 I reached out to Simple/BBVA to dispute a total of {$15000.00} from XXXX. I have tried and exhausted every Avenue to recover these funds and have had no success. Simple was not helpful and would not properly file my dispute. They were impossible to reach via phone or via in app support and eventually told me that these funds would not be returned. The disputes, again, were never properly filed, the bank eventually closed their doors and is now owned by BBVA. I am attempting for the current account holder to salvage the failure of simple and return the funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Sent Experian a follow up letter for report # XXXX. Experian has not given me a response to my question in my follow up letter. Experian stated that the items were verified but Experian has not provided a description of the procedure to verify the inaccurate items listed on my consumer report. Experian has ignored my request and has not responded to my question. Experian has ignored me and taken advantage of me. I am demanding that the two inaccurate accounts be deleted from my consumer file.

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 2017-06-08
Company: CITIBANK, N.A.
State: OR
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:
On  XXXX     2017  My   XXXX   sent a certified check via overnight mail to Citibank-in the amount of {$9800.00} to address : Citicards, Citibank /  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , KY, XXXX . The check number is :  XXXX  again in the amount of {$9800.00}.  <P/> I have called ove r 5+times to ask where this payment is-thus far, " no payment has been found '' -this is a lie, as my certified  tracking shows mail was delivered.  <P/> Where is my payment?  <P/>  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 2019-12-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Opened an account at Chase Bank on XX/XX/2019. Received a letter from chase XX/XX/2019 theyre closing the account. Attempted to get an answer, they just stated the information they received from credit reporting agency XXXX. I check XXXX  and there is nothing on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home owners insurance has not been paid by XXXX and it defaulted XX/XX/2021. This is the second year in a roll my insurance lapsed by more than XXXX weeks the insurance company has sent XXXX the bill XXXX different ways since XXXX and still isn't paid or consulted with insurance company. The insurance company isn't sure they will even reinstate my policy after it being past due so long and with all the problems they've had from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Resurgent Capital Services L.P.
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:
Viewed my credit report and noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and these accounts are fruadulent and does not belong to me. This process of trying to get my life back on track is becoming overwhelming due to these negative remarks that are on my credit report. These discrepencies that are on my credit report are holding me back from moving forward so I am asking that this problem be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX 2017, I sent a certified return receipt letter to Capital One Auto Finance with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XXXX XXXX 2017. <P/>On XXXX XXXX 2017, I received a letter from the Credit Bureau Team of Capital One Auto Finance stating the have confirmed that Capital One Auto Finance is reporting correctly.
<P/>
Capital One " verified '' with out showing my signature nor providing information on who conducted the verification of the account. <P/>On XXXX XXXX, 2017, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XXXX2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today, XX/XX/2017, I received an updated credit report from XXXX showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of Capital One Auto Finance as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: APPLE RECOVERY SERVICES CORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Apple Recovery contacted me Via mail on XXXX stating that I owed XXXX XXXX Bank a Balance of {$9200.00}. 

I have never had any type of loan with XXXX XXXX Bank. 

the letter contained nothing more than a Balance and showed XXXX XXXX Bank as the original creditor.. 

I was the Victim of Identity theft many years ago and my only thought was that this could have been the result of that action. 

I would like myself removed from the Collection effort and for Apple Recovery to cease contact with me regarding this account. 

sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
At XXXX on X/X/17, I got a phone call, asking me for detailed information on my identity. After that, the woman told me that I was behind on payments of 30 days. When I asked if it were 60, 90 or 120 days, she said no. I was then pressed when I would resolve the matter when I stated that I had not gotten a bill that month. I replied with " When I get a bill, I will send in a payment ''. She then said that I was not being cooperative and refused to answer. I repeated the answer, " when I get a bill, I will send in a payment. I do not know when a bill will be sent and I do not know when they will receive it. '' After my second reply, she became more hostile and aggressive with repeated, " you are refusing to answer the question and I 'll note that on your account ''. She further pressed me for a date and suggested next Friday, to which I said, sure, if I get the bill. Again, she said " you continue to refuse to answer the question '', to which I pointed out that she suggested a date and I agreed to it. Her hostile tone, nature of the call and continued badgering of my " refusal to commit to a date '' was enough to end the call. This was a hostile call with hostile intent and any other answer than a specific date that was acceptable to them was " refusal to answer the question ''. I contacted Comenity directly and requested a new bill be sent to me and explained the phone call. The woman on the other end was very apologetic, but insinuated that this is their standard practice. Any further phone calls of this nature will be met with a lawyer on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased two items online from Best Buy using my Citibank Best Buy Credit Services Card ( XX/XX/22 and XX/XX/22 ). XXXX was to deliver them. Neither item were delivered and the status for the items were listed as " delayed ''. A week later, I had XXXX  run traces on the items and was told that they were " lost ''. At some point later, XXXX changed the " tracking status '' from delayed indefinitely to " delivered '' and backdated the delivery dates to XX/XX/22 and XX/XX/22, with no record of the " delayed '' status appearing in the history of the item. This is FRAUD! Best Buy told me to take it up with XXXX. XXXX told me to take it up with Best Buy Credit Services. 

Best Buy Credit Services claim to have conducted an investigation but all that entitled was printing out a copy of the fraudulent delivery status. I submitted additional documentation showing that the date was backdated and no action was taken. 

Every time I call Best Buy Credit Services ( Citibank ), I get a call center and am " transferred '' time and time again to other call centers. I have asked for contact information for their Corporate office and for their legal division, but they refuse to help. 

I have also filed complaints with XXXX against XXXX, Best Buy, and Citibank

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 2018-05-31
Company: Experian Information Solutions Inc.
State: NV
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'm filing this complaint because EXPERIAN, has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely PARROTING information received from other sources. That means that you can't just verify my account by telling me it is verified, or telling me you contacted the creditor and the account I disputed is Verified. I'm a victim of identity theft and I submitted a copy of Proof of Identity my Driver License, Social Security Card, Utility Bill, Federal Trade Commission Identity Theft Report Reference number : XXXX, XXXX XXXX Metropolitan Police Report No : XXXX and a copy of the Fair Credit Reporting Act Section 605B Please resolve this manner as soon as possible. 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 2017-06-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Was charged a " Credit protection '' fee for two years. Fee did not show on online statement only noticed when I printed off a statement to pay off. Was charged  XXXX  over  two  years and they rolled it into my 24 months interest free purchase. I now owe  XXXX  or my deferred interest gets charged.

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 2021-10-30
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation