BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-02
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX  I purchased several XXXX watches from XXXX using my Citi Double Cash Card, but 1 item is missing from the delivery. 

The itemized product i purchased ( order detail page pdf attached ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qty 2 {$710.00} XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qty 2 {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Qty 2 {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Qty 2 {$710.00} Item missing from the delivery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qty 1 {$350.00} I contacted XXXX on XX/XX/XXXX  and they asked me to dispute it with my credit card company. 

So I disputed the amount for the missing item which is {$350.00} out of the total transaction of {$2800.00}, on XX/XX/, with my Citi Double Cash Card ending XXXX, Dispute Case ID, XXXX; But I got rejected, see attahced " dispute_info.png '' screenshot and " dispute_letter.pdf '' document. 

The on XX/XX/XXXX  i contacted Citi through online chat and was asked to provided the itemized purchased item and missing item lists and sent them to their email ( see " XXXX, XXXX, XXXX '' for the online chat history, and " XXXX '' for the email screenshot i sent to Citi with the itemized order information they required ). 

However, on XX/XX/, got rejected again because of " Without a valid credit slip, we are unable to intervene on your behalf with the merchant or their bank. '' ( see " XXXX '' ) I have done what they asked me to do to provide the detailed order info, but they keep rejecting the dispute with new reasons.

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 2019-01-02
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The original financed amount of this car loan ws {$17000.00}. We have paid so far {$31000.00} because of late payments and nonsense fees. The representative explained that there is still a principal balance of {$3200.00} because so much of our payments was applied to these fees and interest charges. 

That means {$13000.00} was not for the car. 
{$12000.00} went to interest and {$680.00} was applied to late fees. 

Now I realize late payments impact a car loan, but this is usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: SC
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 dispute to equifax on XXXX and still haven't got any results on investigation XXXX  has remove all collections on credit report my but XXXX and Equifax haven't therefore i know my report is inaccurate and not 100 % correct and by law must be removed from my Credit Report Also Equifax has improper display of my collections which makes it inaccurate which needs to be immediately removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NV
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:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 tem of information, other than records of convictions of crimes which antedates the report by mote than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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 inaccurate.

DELETE THE ACCOUNTS BELOW

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 2023-07-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
i've written 4 disputes regarding hard inquiries being on my report that I did not recognize and were furnished falsely without my prior written consent.

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 2022-06-14
Company: EQUIFAX, INC.
State: OH
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:
Accordance with the fair Credit Reporting Act XXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C s 1692b-4 : not communicate by post card ; 15 U.S.C s 1692b-1 : identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer 15 U.S.C s 1692b-2 : not state that such consumer owes any debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 would like to state that credit bureau is in violation of 15 USC 1681B ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer never gave any credit bureau written contest to report anything on my consumer report. No consent is identity theft. These accounts are being illegally furnished on my consumer 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 explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 following accounts. 


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 2024-01-01
Company: U.S. BANCORP
State: MS
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
illegal conduct doing covid-19 pandemic us bank

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 2023-09-29
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a US Bank Business Silver Checking Account on or around XX/XX/XXXX of XXXX  with the promo code XXXX, which was accepted as a valid promo code. 

The reward was a {$500.00} bonus deposited into the account. 

I also called in and confirmed twice that the promo code was attached and the terms which were - Deposit XXXX  XXXX within 30 days of opening the account and maintain the balance for 60 days - Enroll in the US Bank Mobile App I deposited {$3000.00} on XX/XX/2023, within the 30 day requirement. I kept these funds in the account until XX/XX/2023, after the 60 day requirement I also have the business checking account enrolled in the mobile app, fulfilling all of the requirements. 

It has now been over a month since the requirements were met and I have not received the bonus.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All accounts are marked as in good standing and closed but are still showing negative marks on credit report. 
I am seeing from all that I am in good standing and accounts are closed!

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 non-monetary relief
Consumer complaint received 2023-07-03
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today 's Date : Monday, XX/XX/XXXX This Matter pertains to a Debt Collector 's Harassment by Credence Resource Management, ( A Debt Collector ) hired by XXXX XXXX XXXX that continouisly been harassing this Consumer, since XX/XX/XXXX. 

CRM REVIEW YOUR RESPONSE CRM SENT THROUGH CFPB CONSUMER PORTAL ON DATE : XX/XX/XXXX CFPB XXXX # XXXX. Which CRM STATED- " DESCRIPTION PF NON-MONETARY RELIEF : ACCOUNT CLOSED, XXXX XXXX CREDIT DELETION. '' For CRM 's Records- CRM is violating Social Security Act sec. 207 [ 42 U.S.C. 407 ] 42 U.S.C.

sec. 408- Penalties- {$25000.00}. or 5-10 years Prison OR both. Mail this Consumer a Cashier 's Check in the Amount of
{$25000.00} for the harassment of the last 4 years. CRM is aware of the Fraudulent Business Practices XXXX XXXX XXXX commits. 
So MAIL IT TO ME! 

STOP HARASSING AND CORRECT ALL THREE CREDIT REPORTING AGENCIES THAT CRM HAS CREATED HARM TO THIS CONSUMER! PAY UP NOW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since XX/XX/XXXX I been going back and fourth with XXXX about them locking my account they it was I had over XXXX XXXX deposited in my accountwhich i continue to write them and asked how was it possible because numerous amount people get that kinda money on there chime XX/XX/XXXX they ask for document proving that I was the account holder and other documents showing the money was mine and still kept my account locked After aski my who do I have my lawyer contact they told me the issue is out of there hand

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


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 inaccurate.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

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 2023-11-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX {$140.00} XX/XX/2023 is fraudulent account due to identity theft this account has been removed off of my XXXX but not Experian. As a federally protected consumer I demand maximum possible accuracy from Experian. Delete and removed this fraudulent account from XXXX off my report Experian, just like XXXX did, because its not mine.

Company response to consumer: In progress
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2019-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I am selfemployed. I had a capital one card for 10 or 12 years. I started using it for my business and I paid it off every month. I had to call after a few years of use because I seen where they had a points thing and I had been missing out for years on thousands of points. That was a little aggravating. You would have thought that them knowing what I was using it for they would have recommended it. Anyways. I messed my credit up when I was young and had finally worked really hard to fix all that. I was getting increases as my business got bigger and bigger. That was awesome. In XXXX the called and asked if I would be interested in getting an insurance that was XXXX on every {$100.00} dollars at the end of the month. Sounds like a good idea so I got it. After a while I forgot I even had it. In XXXX I got into a bind and didnt get payed on a couple of jobs and I was left with over {$10000.00} dollars owed. I forgot I had been paying that insurance all those years and I couldnt make the payments. When I did remember bout it I contacted them and they said it had gone out just a few months after I got it and had only paid like {$9.00} dollars on it. I requested they send me a copy of every monthly statement for the entire time I had their card. 
Needless to say they where lying. I had paid hundreds of dollars over the years on that insurance. Even up until my last statement. It was XXXX XXXX dollars. I also found out when requesting my statements the had the wrong address for me on file. I always paid with my app and never knew it. Also I found out that over the years I had spent hounded of dollars on late fee peniltys cause as I said I paid with my phone and never looked at all that. I thought the payment was on the same day every month so for years every other month or so I was paying a late fee. And on top of that every so many years the fee would go up. In the end I was paying {$50.00} somethin dollars a month every other month or so. Now you would think that they would have seen that and said something but they didnt. 
They said the program ended coincidentally a few months before I got into that bind and they gave another so many months to file but like I said I wasnt paying it by then and I defiantly wasnt getting their mail outs on that kinda stuff. End the end they would not let me file one the very thing I had been paying for all those years when I really needed it. Now when I really need good credit cause of a wife and XXXX children and XXXX more on the way I have bad credit. If yall could help that would be awesome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2019-02-14
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert from my XXXX XXXX app about a medical bill in collections ( date of service XX/XX/XXXX ) with XXXX XXXX XXXX MD account : XXXX. 

I contacted my insurance ( XXXX XXXX XXXX ) because I know I was covered on the date of service. XXXX  explained to me because XXXX XXXX XXXX wasnt my PCP it wasnt paid. 

I initiated a dispute with the respective credit bureaus and the debt collector. I also contacted XXXX. 

On XX/XX/XXXX I received a call from XXXX with XXXX asking me to grant permission to Transworld so they can further discuss my dispute. XXXX also alerted me that it is a NJ state law that I should not be billed due to the coverage plan I was under. 

I granted permission for the two parties to speak. XXXX spoke with Ms.XXXX  from Transworld explaining to her I was covered by Horizon, I shouldnt be billed as per NJ state law. Ms.XXXX stated she would update the file and adjust it accordingly. I still havent reached a resolution and today is XX/XX/XXXX. 

Debt Collector : Transworld Systems INC. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Doctor Office/Creditor : XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation