BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Someone placed an order on my credit card with Macy 's. I found out and called the company and reported the charge. I called this company at least XXXX times without any customer service representative understanding what I was saying. the comprehension and understanding of representatives is unbelievable. calling Macy 's customer services you're calling overseas and it's extremely frustrating especially when you're trying to communicate a problem. Finally, I spoke to a manager who understood what I was saying and he refunded the charge from my credit card because I wasn't responsible for that charge. The credit company reported this as a late charge on my credit. How can I be liable for a charge that I didn't receive? How could you charge me for something I never received?

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 2023-12-14
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

Please send me a copy of the credit application/contract bearing my signature associated with my account, with no information redacted, NOT my cardmember agreement but the signed contract. 

I understand that under the Truth in Lending Act, Fair Credit Reporting Act and Consumer Credit Act, I am entitled, as a signing party to the contract/application, to receive a copy of any credit contract and a statement of account when I request it. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation and am in a contractual obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Deposited a refund check for {$530.00} on XX/XX/2023 into my personal checking account. On that same day Navy Federal Credit Union deducted {$450.00} from that same personal checking account without my permission to apply to a Navy Federal Credit Union Unsecured Credit Card charge off account with a balance of {$9200.00}. The remaining balance on that account is now {$8700.00}. I called Navy Federal Credit Union and told them I want my money returned to my account and they refused and said they will continue to take money from my account whenever they want until the balance is paid off or I call and make payment arrangements to voluntarily pay down the balance which I will not do because I am unemployed disabled and have no money left to pay for anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was a fraudulent charge on my card for the amount of {$510.00} on XXXX XXXX. I called the bank and disputed it. Over two weeks later, they credited it back to me. Today on XX/XX/XXXX, the bank did a reversal of the amount.

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 2023-03-22
Company: EQUIFAX, INC.
State: NC
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I deposited a check for {$33000.00} into my bank account at JP Morgan Chase Bank N.A. The check was immediately designated as suspended and I never received the funds. Chase has been in possession of those funds for almost 3 months and I really need them to avoid financial distress. 

On XX/XX/2023 my bank account was closed entirely without any communication or notifications from Chase to inform me that my account closed and I never received the money. Initially I thought I had been robbed and hacked by someone. 

The check was issued from the XXXX XXXX XXXX ( their bank account is with XXXX XXXXXXXX XXXX  ). The check was placed into a Suspended status from Chase, while Chase attempted to validate that the check. The check was processed by Chase and the funds left XXXX XXXX XXXX  account ( but I did not receive anything ) The method Chase is using for validation is to pull the information of XXXX XXXX from a database with a company called XXXX. Chase has attempted to use XXXX to retrieve a corporate phone number associated with XXXX XXXX. Unfortunately, XXXX has not been able to produce a valid number for chase to use. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting you this CFPB Complaint to dispute the accounts on my credit file that belong to my daughter. These accounts have been incorrectly reported on my credit file and are negatively affecting my creditworthiness. I request that these accounts be removed from my credit file immediately. Under the Fair Credit Reporting Act ( FCRA ) Section 611, I have the right to dispute any information on my credit report that is inaccurate or incomplete. These accounts are not mine and should not be reported on my credit file. Their presence on my credit report is a clear violation of my rights under the FCRA. These are the accounts I am requesting you to please take off of my Credit File : XXXX XXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00}. I have taken steps to verify that these accounts belong to my daughter. Therefore, I am requesting that the credit bureaus investigate these accounts and remove them from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: AR
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against XXXXXXXX XXXX XXXX XXXX. for committing identity theft. I have never given sunrise credit service, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with XXXXXXXX XXXX XXXX  and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022 I have not received any documentary evidence, such as a trilateral contract, giving XXXXXXXX XXXX XXXX any right to collect on this alleged debt. 
I have never received any documentation requesting validation from XXXX XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXXXXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX, continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: MD
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:
It has been several months since my initial contact via mail and through CFPB, and regrettably, I have not received the anticipated resolution from your department regarding the misleading and inaccurate entries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : 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 2023-05-10
Company: Bread Financial Holdings, Inc.
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:
My recent experience was just repugnant, unacceptable in paying off my balance. In XXXX, I paid off the remaining balance on my XXXX XXXX XXXX XXXX account ( XXXX ). In XXXX, I received a bill from XXXX  XXXX XXXX for XXXX dollar. I called and was told that there were interest rates carried over from two months ago, leaving a charge of XXXX dollar. Never in my 50 years dealing with banks and credit cards has a charge been issued after the balance was paid in full. 
On top of that, the way I was treated and hung up on by two different customer service agents was very disturbing. I do not know what your script is as a Comenity Bank card, Bread Financial, it was very distasteful, making me feel, I was abused for close to two hours and getting nowhere on the understanding of XXXX dollar interest rate ( fees charged ) was still on my bill after the pay-off. So, I investigated it. 
Yes, Comenity Bank charged me XXXX dollar for the missing interest, for which THEY did not calculate. Not only that, but they also did not even address it correctly. 
On my XXXX XXXX XXXX XXXX bill, XXXX dollar is added to the " Fees charged '' not the interest charged, with no explanation. 
( Fees charged XXXX XXXX charged XXXX ) The reason for this is Comenity Bank can charge you interest on that dollar if you do not pay it under Fees charged. 
If it were under the correct title, ( interest charged ) that dollar would just sit there forever because the financial institution can not charge you interest on interest ..... So, Comenity Bank not only charged me a dollar, but they can illegally keep charging me interest and late fees on top of that expensive dollar. 
This one-dollar issue needs the CFPB, as well as a XXXX XXXX XXXX XXXX I am sure millions of others, have the same issue!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: Genesis FS Card Services, Inc.
State: TX
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:
CB Indigo reports a debt of {$710.00} I submitted a debt validation to company on XXXX  received a letter back on XX/XX/ stating they were not able to locate an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights ; - XXXX, inquiry date XX/XX/XXXX - XXXX XXXX, inquiry date XX/XX/XXXX - XXXX XXXX, inquiry date XX/XX/XXXX - XXXX XXXX inquiry date XX/XX/XXXX XXXX U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S, C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without 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 2020-12-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a credit card from XXXX XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX Equifax, XXXX, and XXXX XXXX XXXX  XXXX XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Over the past 2 weeks I have had at least 3 different credit card companies call me telling me that there have been applications submitted using my information. I have no knowledge and have to call each company and confirm that it was not me submitting them and that someone has stolen my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: CITIBANK, N.A.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I want these inquiries on my credit report deleted I did not authorized these companies to run my credit they are fraudulent I have downloaded copies to show

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 2023-05-07
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:
Transunion is reporting inaccurate and unverifiable information and has effected my lively hood. Because of this I have been denied jobs, housing and credit lines. Below I have attached a screen shot of the accounts that are inaccurately reporting per consumer protection law.

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 2023-03-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or removed : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: National Credit Systems,Inc.
State: LA
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:
After reviewing my credit report I noticed a discrepancy with account listed under NATIONAL CREDIT SYSTEMS- XXXX and validation was requested SEVERAL times about this account which I do not recognize. Validation letters were sent out on XX/XX/2023 I also disputed this account with the credit bureaus and no proof that this debt belongs to me has been provided. This account continues to negatively affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Kikoff Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
The name of the company is KIKOFF LENDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX they scammed me of my hard earned money and also reported bad payments on my credit they destroyed my credit and I cant seem to talk to no one, there is no office I know its a scam they need to be investigated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I opened an account with key bank & deposit a check for XXXX from XXXX XXXX the check set there for a week then on Friday morning it got locked due to illegal activity I went into the branch & spoke to XXXX XXXX he told me show Id I showed Id then told me to wait while they do the investigation then was told they needed ss card gave them that threw email on XX/XX/XXXX I came in again to fill out a paper to get a timing on the account being unlocked then was told to wait & that he would call me when this paper got approved since then Ive waited until XX/XX/XXXX still nothing I need my money to pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: NCB Management Services Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to express my dissatisfaction with your failure to furnish the requested documents and complete the debt validation process, as stipulated in my previous correspondences via mail. Given these circumstances, I insist on the prompt removal of the account you reported from XXXX. The fact that this is just being reported to only once by the credit bureau means that this collection account is definitely unverified and unjust.

Company response to consumer: Closed with explanation