BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I owed Best Buy retail services ( Citibank ) {$53.00} due XX/XX/XXXX. They received my payment XX/XX/XXXX. 

They charged me a {$60.00} late fee! I called and tried to have it waived as I have been a long time customer. The first person- said it was against policy and there was nothing she or anyone else could do about it. 

She finally sent me to a supervisor ( after I held for 10 minutes ). This person kept reading from a a script- was obviously in another country due to the 5 second delay in the conversation and she read from a script too- she waived {$30.00} of the {$60.00} but failed to see the inherent unfairness of a {$60.00} late charge on a {$53.00} invoice being 1 day late. 

If in the process of paying the bill- I overpaid- it would take 3 MONTHS for me to get my refund! 
Process and policy were the answers. Worst customer service Ive experienced in 45 years of having credit cards.

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 2021-10-14
Company: WELLS FARGO & COMPANY
State: TX
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:
This is a formal complaint against Wells Fargo Card Service located in XXXX XXXX, IA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Wells Fargo Card Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2023-01-20
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This statement is to dispute the collection balance of {$1500.00} from IQ Data International/XXXX XXXX XXXX AZ reported to the credit bureaus, XXXX and XXXX, XXXX XX/XX/XXXX. Myself, XXXX XXXX, XXXX XXXX, and XXXX XXXX signed a lease to move into an apartment with XXXX XXXX XXXX AZ on XX/XX/XXXX and were due to take possession of XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX on Friday, XX/XX/XXXX. The apartment was under construction and we received notice that occupancy was delayed and that the apartment should be ready for move-in on the evening of Saturday, XX/XX/XXXX ( after office hours ). When my friends and I went to start moving in on Sunday, XX/XX/XXXX, the apartment was clearly still not ready for move-in. There were dust and floor-board trimmings everywhere and open exposed wiring. I submitted a written notice of cancellation according to the terms of the contract, and the group acknowledged receiving the notice the following Monday. 

I never lived in this complex and that is why there is no history of monthly rent or listed address for this property on my credit report. In addition, I paid an upfront security deposit of {$1800.00} to the company which was never refunded, per the terms of the lease contract. I am attaching the 3rd page of my signed lease, which states that I may terminate the lease up until the time the apartment is ready for occupancy ( see section 15 ). I am also attaching my written notice of cancellation with photos of the apartment from XX/XX/XXXX. Lastly, I am attaching a signed and dated letter from my friend showing I occupied his home rent-free from XX/XX/XXXX until XX/XX/XXXX, when I initiated a new lease with XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX and an insurance document billed to the XXXX XXXX address during the time frame XXXX XXXX XXXX claimed I was living in their apartment. 

I am shocked to see this collection come up on my credit report a year and a half after this event, and I am not exactly sure what it is for. I have no history of late payments on any of my credit accounts because I am highly accountable and take my credit obligations extremely seriously. I never received a billing notice from the property management company. I wrote the debt collection agency and called them multiple times to request an explanation and can not get a response. The process of trying to move-in and then cancelling with XXXX XXXX XXXX  AZ was extremely stressful and now they've damaged my credit score and I feel helpless. I wish I had researched this group sooner because I found a lot of negative remarks about them online after my bad experience, and it looks like they have already been sued more than once. I am also attaching a letter sent to the debt collector requesting an explanation for this charge, which they did not respond to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
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 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 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 2023-01-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
this is a follow up to prior complaint # XXXX where in my check was stolen and falsely endorsed- i have been told by chase there is nothing they can do for me and even though the check was falsely endorsed. 
chase opened an investigation file # XXXX and supposedly has contacted the bank that negotiated the check ( citizens bank ) again Chase is telling me the " will not give me my {$10000.00} back. '' which is the reason for this email on XX/XX/22 i wrote a XXXX to XXXXXXXX XXXX XXXX for XXXX the check was stolen and an individual tried to deposit said check all paperwork was filled out with chase to get the money back - it has now been 5 months - i did not give chase permission to negotiate that check to anyone except XXXX XXXX XXXX - again chase is telling me it is my problem- and suggested i call XXXX XXXX which i did. XXXX  is telling me they have no information on this claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions 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 applied for credit in XX/XX/XXXX, I was told by the finance company I had a negative reporting on XX/XX/XXXX by XXXX XXXX XXXX appear on my credit report. so I pulled my credit report XX/XX/XXXX. This also the same month I began to dispute this item from XX/XX/XXXX to present XX/XX/XXXX this item continues to remain on my report and XXXX XXXX XXXX continue to provide false information from their XXXX Virgina location and XXXX California Location.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: VA
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-06-13
Company: Experian Information Solutions Inc.
State: TN
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 explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2018-07-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get a free credit report from Equifax but could'nt because the verification questions had to with me getting an auto loan at CU and a retail credit card which I did not get from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Affirm 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 Account XXXX XXXXXXXX, has violated my rights.

1

5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of America closed my wife and my joint account. They claim they notified us by mail but we never received any mail. 

We called bank of America and they said the reason they closed our joint account is because they could not reach us on their routine check to ensure our profile information is updated. 

This is a really silly reason to close some ones account and i suspect something else. We called them and they said they can not re-open the account due to policy and we must open a brand new account. 

This reminds me of the XXXX XXXX debacle. Is Bank of America trying to get more new accounts opened?

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 2022-02-22
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:
I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with these companies. 

The line of credit reported with these companies is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

FIRST XXXX XXXX acct # XXXX FST PREMIER acct # XXXX XXXX OF XXXX acct # XXXX FNCC acct # XXXX TXXXX acct # XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX Your company is in clear violation of the law. 15 U.S. Code 1681 ( A ) ( I ) XXXX-Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s-XXXX of this title, any ( I ) a report containing information solely as to transactions or experiences between the consumer and the person making the report! 

THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Put the creditor Name here ) making the report is XXXX INCLUDED on my Consumer report! 

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) put creditor name here ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681A 2Ai by reporting the transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have XXXX calendar days to update my utilization to 5 % or below and delete all Utilization from the below account. 
( List accounts with high utilization here ) Failure to respond satisfactorily with deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for XXXX. Defamation of Character XXXX. Negligent Non-Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616. Civil Liability for willful noncompliance [ 15 U.S.C 1681n ]

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 2022-02-22
Company: JPMORGAN CHASE & CO.
State: IL
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:
XXXX XXXX XXXX debited my account for the amount of {$140.00} on XX/XX/XXXX. I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to this lender on XX/XX/XXXX. I will attach the documentation to this complaint. I called Chase Bank and successfully disputed this transaction. 

On XX/XX/XXXX XXXX XXXX XXXX again debited my account for {$140.00}. This time using an eCheck. When I called Chase Bank, they denied my request and said that I have to deal with the Merchant XXXX XXXX XXXX XXXX ) directly. The thing is, I've already tried to get my money returned from the Merchant and they are going to continue debiting my account. 

So, I called Chase bank to dispute the payment and the customer service representative, XXXX, told me that I have to deal with the merchant. Then she hung up on me instead of transferring me to a supervisor. This is simply not true. According to the CFPB, QUESTION 7 : If a consumer provides notice to a financial institution about an unauthorized electronic fund transfer ( EFT ), can the financial institution require that the consumer first contact the merchant about the potential unauthorized EFT before the financial institution initiates its error resolution investigation? 

ANSWER ( UPDATED XX/XX/XXXX ) : No. A financial institution must begin its investigation promptly upon receipt of an oral or written notice of error and may not delay initiating or completing an investigation pending receipt of information from the consumer. See Comments 11 ( b ) ( 1 ) -2 and 11 ( c ) -2. For example, in 2019-BCFP-0001, the Bureau found that the practice of requiring a consumer to contact the merchant before initiating an error resolution investigation was a violation of Regulation E. Similarly, the Fall XXXX edition of Supervisory Highlights discussed instances where examiners found that one or more financial institutions had instructed consumers to contact the merchant instead of promptly initiating an error investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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 information incorrect

Complaint:
This complaint is regarding XXXX, XXXX, AND XXXX 'S COLLECTION ACCOUNT NO. XXXX, wrongfully appearing on my Equifax credit report.The date of first delinquency is in error and fraudulent and RE-AGED and as such, this account is and has been published wrongfully, and should be deleted from the EQUIFAX BUREAU REPORT. 
IN XXXX, THE CREDITOR RESPONDED TO THE CFPB TWICE, ASSERTING THE FAIR CREDIT REPORTING ACT that JUDGEMENTS can post for 7 years from entry.This is true, however this account has been a COLLECTION ACCOUNT from its first publishing and as such the DATE OF FIRST DELINQUENCY is significant.If the creditor 's JUDGMENT had been reported as a judgement to Equifax, it would be placed in the PUBLIC RECORDS portion of the report not THE COLLECTION ACCOUNT section of the report, AS IT IS TODAY.The account is about unpaid rent per rental contract.The rent was late or delinquent in XX/XX/XXXX and no money has been paid since, regardless of unlawful detainer action filed in XX/XX/XXXX, eviction in XX/XX/XXXX, entry of judgment in XX/XX/XXXX.The debt is DELINQUENT rent plus fees and interest.The judgment is part of the collection process of collecting overdue rent.The rent was first delinquent and continuously delinquent since XX/XX/XXXX with the original creditor XX/XX/XXXX.. 
XXXX XXXX ADMITS TO THE ANSWER OF OVER 50 DISPUTES IN THEIR CFPB DISPUTE RESPONSES. EVERY DISPUTE WAS WRONGFULLY VERIFIED OR CERTIFIED. 
AS SUCH, REGARDING RE-AGING AND WRONGFUL VERIFICATIONS, EACH VERICATION carries statutory damages from $ 100-1000 dollars per incident and if the court deems they can award punitive damages.BOTH THE FURNISHER AND BUREAU ARE BOTH LIABLE FOR OVER 50 FALSE VERIFICATIONS. 
50 X {$100.00} EQUALS {$5000.00} X {$1000.00} EQUALS {$50000.00} PLUS  POSSIBLE PUNITIVE AWARD, should XXXX XXXX and I meet in court. 
Equifax regardless of the position of XXXX XXXX.has the duty to delete this account because the bureau is currently liable for possible {$100000.00} in damage, themselves. 
All evidence attached is a portion of the judicially noticed evidence of a future court action.

Company response to consumer: Closed with non-monetary relief