BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: CITIBANK, N.A.
State: VT
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 first notified Citicards of a significant overpayment ( electronic bank payment ) on my credit card on XX/XX/XXXX. I have contacted Citicards several times to refund the excess payment ( most recently today, XX/XX/XXXX ). 

On XX/XX/XXXX, a helpful supervisor told me she would investigate the delay in the refund but would not be able to get back to me for XXXX hours and could not tell me when I might receive the refund. It has already been XXXX business days since I notified Citicards of the refund request, and still do not know when the funds will be refunded to my bank account. 

My understanding is that under Federal Trade Commission rules a credit card issuer must refund an overpayment within seven business days after they receive a customer request. 
Thank you for any assistance you can provide in this matter. I also am interested in learning whether my situation is unusual or whether this is a problem that other credit customers have had.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

1

5 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-06-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$500.00} 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 2017-07-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On   XXXX    XXXX , 2017 I received a payroll check from my employer instead of a direct deposit as it would not be available until later in the month. The check was received by mail and I deposited this check via Chase Mobile app after  XXXX  PST and received a message that it was accepted. I then made bill payments. There was no message from my employer that the check was dated  XXXX   XXXX , 2017. The check was paid on the corporate bank account of my employer and there were enough fund to cover it as the payroll was scheduled to run on  XXXX   XXXX , 2017 for all employees across the US. Chase then returned the check and charged me overdraft fees. I alerted my employer who is direct depositing the same amount of the check on Tuesday,   XXXX    XXXX , 2017. However as of   XXXX    XXXX , 2017 my account is now over {$600.00} in overdraft. I went to a Chase branch in   XXXX   XXXX  , CA and the personal banker was only authorized to reverse {$100.00} dollars in service charges for   XXXX   NSF transactions out of   XXXX   so far. By the time I receive the direct deposit my account will still be in arrears and I will incur more charges if I ca n't make up the difference in 5 days. My next paydate is  XXXX   XXXX , 2017. Chase did not call the bank of my employer to verify funds because they said I did n't deposit it in person.
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My home branch is in   XXXX   XXXX   which is over an hour commute time from where I live. So I went into the branch near my house that was open on a Saturday. I have listed my home branch in the business contact details below.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-08
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On Monday XX/XX/XXXX, I attempted a minor transaction with my debit card and I was informed that the transaction was denied. When I called my bank, XXXX, to inquire about the declined transaction, I was informed that my account was frozen ( put on hold ), and I was given a number to call ( XXXX ) XXXX which was listed as Peroutka & Peroutka Law Office. When I called the law firm, I was told that they were collecting a debt owned by XXXX  XXXX XXXX for an account attached to a checking account ending in XXXX. When I told them that I did not own any money to XXXX  XXXX XXXX, they said they would investigate this claim with their compliance department. The next day, they withdraw {$1500.00} from my bank account and attempted to withdraw an additional {$1500.00} on Wednesday ( today ), leaving my account in the arrears for {$1500.00} ( I had {$1500.00} in my account ). I spoke to a bank manager at XXXX and he and I called the creditors together and it was unclear what instrument ( credit card, loan, checking account ) they were collecting on and the representative said it was an old debt from XXXX that they couldn't collect on until now. I proceeded to go to XXXX XXXX XXXXXXXX and I spoke with a bank officer who searched with the help of the home office to see if I had any unpaid debts or balances on past accounts. My bank accounts were paid in full when they were closed ; I opened a new account at XXXX. However, they did find an old credit card debt from XXXX which had a balance of approximately {$3000.00} which I settled for {$260.00} with the XXXX   XXXX XXXX. I was told that this debt may have been sold to a third party and 17 years later they collected the debt. Is this possible? I wasn't contacted, served papers, or issued a lien ; my account/assets were just frozen and seized. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My vehicle XXXX XXXX XXXX was damaged by a hit and run motorist on XX/XX/XXXX .I have police report that was given to Autonow Finanicial services. I have tried several times since then and left several messages related this insurance claim.This company has proven to be unprofessional and very nasty to me as a consumer. I have decided to turn vehicle back to car lot. Me as a human being and a consumer do not deserve and do not appreciate the treatment I have endured.I am sharing my concerns with and get this contract with this awful company voided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact Transunion credit Berau Transunion and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Transunion credit berau supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so Transunion credit report can take those innacurate inquiries XXXX XXXX XXXX XXXX XXXX that are hurting my credit score and I can't take a home because Transubion is refusing to remove information that is not mine AND they never responded the register letter I sent to them and I need help 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 explanation
Consumer complaint received 2017-07-15
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
hi my SS # was used without my consent I 've been in contact with the IRS, and other creditors that 's been more than helpful

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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
See attached Docs stating late payments on accounts that I've never been late on. Remove these late payments from my consumer report as this a violaton of my consumer rights under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Also Under 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. The law is very clear as it pertains to my consumer rights.

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 2023-10-13
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a letter from American Express dated XX/XX/XXXX  stating, " We wanted to let you know that after a recent review, the credit limit on your account has been reduced to {$1600.00}. The cash advance limit is {$200.00}. '' My credit limit prior to this was {$6000.00}. 
Their reasoning : " We made this decision for the following reason ( s ) : Your XXXX Score ( see below ) * Based on your credit report, you have too many requests for credit '' The reason for the credit request is because I recently did a cash out refinance on my home and had to do some renovations that included new flooring, a new HVAC system, a new water heater, and painting. For these renovations to be done the companies had to finance the work until the cash out funds were available to be used. So, my credit naturally would decrease due to refinancing and open accounts for the renovations to happen. However, most of the accounts have now been paid off and some that have significant payments being made to pay them off soon. I was confident my credit would be restored quickly. 

My complaint is that I have never had an issue with Amex or any of my other creditors at all and for Amex to stalk my credit and simply drop my limit is unfair to say the least. I have never been late, never surpassed my limit, and always stayed within 10 % -30 % of my limit to stay in good standing. I have been an excellent consumer and would have at least like to have been contacted about maybe the reason for the new open accounts. 
Due to American Express dropping my limit they have made my credit score drop even further on top of the temporary drop due to the new accounts. What would have been a temporary drop in credit has now been made even worse by American Express. My score decreased by XXXX points or more. I have proof of this from my credit monitoring platform. 

I tried working this out with Amex first. I first did a chat on XX/XX/XXXX  with American Express and was told the same thing as the letter they sent me and then they tried to do a limit increase request which if course was denied. Then I called on XX/XX/XXXX  to speak to a manager and the solution was to send in my bank statements to appeal. That solution was unacceptable! They did not ask for statements when I opened the account and they did not ask for statements when they dropped the limit. I was then told that they have no authority to override the decision. 
All of this feels like an egregious violation of privacy and consumer discrimination for baseless reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: MO
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 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-03-06
Company: U.S. BANCORP
State: MI
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  reporting negative information on credit report. According to 15 U.S. Code 6802 ( B ) it's illegal to

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 2023-07-14
Company: HireRight Solutions, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My background report states that I have a XXXX XXXX pending and that is not accurate. This inaccurate report cost me the job in which I was getting the report for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: NY
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 DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is

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 2021-01-29
Company: CITIBANK, N.A.
State: CA
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 Premier card XXXX was charged a {$95.00} annual fee on XX/XX/XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no refund had been credited to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Credit Karma, LLC
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: Reporting company used your report improperly

Complaint:
Credit Krama Adverse Action Please verify hard copy proof of application and signed ink signature to validate equal credit opportunity regulations FRCA 12 CFR part 1002.1 CFR 1002.16 15 USC 1691 and adverse 15 USC 168 Consumer law I Have not given any written permission for Credit Karma to use my credit card # SS nor to report any information regard any repotting on any accounts associate to my my credit card this is a violation of my privacy adverse action is to remove all hard inquires and soft pulls and negative reporting of closed accounts of which I do nor recognized this consumer fraud and incorrect reporting with out any validated proof of document

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX reported me as late for 120 days while they were in the process of completing a loan modification. I have tried to dispute this with all the credit reporting agencies and it continues to remain. I feel that the investigation was not thorough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Bank called said someone tried to open a new account and it wasn't me bank caught it and never opened then gave me info to contact here.

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