BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX / XXXX / XXXX  I was denied a mortgage loan for being 180 days delinquent on my child support. I have contacted the  XXXX  credit reporting agencies and have disputed this incorrect information. I have disclosed the child support payment agreement since  XXXX / XXXX / XXXX . The court order states that I pay  XXXX  a month and I pay more than  XXXX  a month. There are arrears from the divorce that were awarded to my ex wife for court cost. This was awarded as support so I could not file bankruptcy " per my ex wife and attorney ''. please remove the inaccurate and damaging information. I have called the Depar tment of Economic Security and was advised that I am current in my child support obligation. I have 50/50 custody of our children and am being penalized as a responsi ble Father, my credit report haunts me on purchases from vehicles and even deny our family the ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX BANK XXXX # XXXX with the amount of {$2800.00} I have already reported the incidents to the credit bureaus ( XXXX, Experian and XXXX ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I ordered an 18TB external hard drive from XXXX XXXX XXXX online website. The total for my order was {$270.00} and it was paid for using my Chase Sapphire Reserve credit card. The hard drive was delivered a few days later when I was out of town, so I had my friend unbox it and plug it in to make sure it worked. What we found was that the drive wouldn't be recognized by the PC and a bunch of error messages popped up. The drive enclosure also looked off, with some of the ports not lined up properly. I have timestamped text threads and pictures from when the drive was first unboxed supporting the drive not working. Seeing this, I returned the drive to XXXX XXXX and was assured by their customer service that I would receive a refund ( chat transcript is attached ). 

When I hadn't received a refund even 4-5 weeks after XXXX XXXX confirmed they had received the return, I opened a dispute with Chase who refunded my money temporarily while they investigated the issue. 

A few months later, on XX/XX/2023, I noticed that I had received a package from XXXX XXXX in the mail. In it was the hard drive I had returned, along with a note saying they couldn't accept the return since it wasn't the hard drive I had ordered. Since I had returned exactly what XXXX XXXX had shipped to me in the first place, it seems that XXXX XXXX themselves had shipped me the wrong hard drive that had probably been tampered with previously. Since it wasn't recognized by my PC when I tried to use it, I had no way of knowing it was the wrong drive and just thought it was a defective drive. 

I checked my Chase credit card statement and noticed that Chase had charged me {$270.00} for the drive, overriding the interim refund they had issued me while investigating the dispute. I spoke to Chase 's dispute department a total of 2 times between XX/XX/XXXX and XXXX, and was told that XXXX XXXX had informed Chase that they'd received the wrong return so they couldn't issue a refund. Chase then closed the dispute in XXXX XXXX 's favor. I told Chase I had proof in the form of a text thread with my roommate who tried out the defective drive, pictures of error messages, and a chat transcript with XXXX XXXX customer service saying that I would be refunded. Chase refused to consider this information and said they couldn't reopen the dispute. 

I then emailed XXXX XXXX 's executive customer service team and asked for help getting a refund. The response I got was that to receive a refund, the product being returned had to match the product that was ordered. There was no consideration given to the fact that the returned product didn't match the ordered product since I had received the wrong product from XXXX XXXX in the first place ( email transcript included in attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was informed via email on the evening of XXXX XXXX by discover card that my account has been closed as they were not able to verify my personal information as it looks like they sent me the form and they did not receive it. I already sent and signed all the form which I was asked and sent it to them right after I was asked on XXXX XXXX. I have confirmation for XXXX XXXX where I signed the form and sent it to back and was told all parties have been informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
To Whom It May Concern, My name is credit card account # end with On XXXX, XXXX I cash two checks from XXXX XXXX XXXX # XXXX {$6700.00} transaction date XX/XX/XXXX with 0.00 % interest Promotional rate end date XX/XX/XXXX and XX/XX/XXXX check # XXXX {$5500.00} with 1.99 % interest Promotional rate end date XX/XX/XXXX. 
I made the Minimum Payment on due date each month doing autopay. On XX/XX/XXXX I made the payment over the phone automated phone payment for {$5400.00} and the payment go thought successfully. Until after a week of so when I check online and see the payment didnt go thought, so I made another payment with the same amount of {$5400.00} on XXXX XXXX which is it is still paid on time with 0.00 % interest promotional rate end date XX/XX/XXXX. 
On XX/XX/XXXX when I call Bank of America regarding why there is twice auto payment withdrawal from my account for {$59.00}. The representative on the phone said there is a promotional offer with my account end with XXXX. So I took the offer and she help me transfer {$7000.00} to my XXXX Credit card on XX/XX/XXXX with the fee {$210.00} paid. Since I took the new offer so I also paid off the balance own from the promotion for 1.99 % interest promotional rate end date XX/XX/XXXX with amount of {$5100.00} the same date XX/XX/XXXX. After a coupon date pass by when the XXXX statement came out and there is an interest charge of interest of {$100.00} came out of no where. I be calling Bank of America to get this resolve and get no where.

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 2022-12-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We have a XXXX interest portion of our account and an interest bearing. We made extra payments towards our interest bearing portion and they were applied to our XXXX APR balance. Chase doesnt apply them to current balance on purchases of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I opened a credit card with Lane Bryant ( Comenity Bank ) around XX/XX/2022. I never received the credit card in the mail, so I have been unable to set up my online account. They began calling me shortly after repetitively about the debt, numerous phone calls every day. Even after setting up my first payment I received another phone call about the debt just days after setting up the payment. During the summer I called their help line and paid off the debt and requested another card be sent to me so I could set up my online account. A couple weeks later I received a letter in the mail from the company telling me that my request for a new card had been denied, so I am still unable to set up an online account so that I can monitor the debt and make payments on it. While I have not used the card since paying off the debt this summer, somehow more debt has built on the card. Now I receive many phonecalls throughout the day. The first week they started calling me I had over XXXX phone calls from different numbers, and upon blocking several of them they began calling from private numbers that could not be blocked. They have been calling like this none stop ever since. Just this morning ( XX/XX/2022 ) I had XXXX phone calls before before XXXX. They call at all hours during the day disrupting my work and sleep. These calls have been coming in this manner for over a month now. I would set up an online account to pay my debt but the company has denied me the ability to do so, and I have not even received the credit card I signed up for, which was discussed with a company representative when I paid off the debt this summer, but I still have not received the item which is rightfully mine. Calling the company to pay the debt this summer was a very difficult process involving long wait times on the phone and a language barrier with the agent that made it difficult to resolve the debt. 
They have also sent me texts on top of all the constant phone calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: MD
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete please be immediately investigate and update it on my report. 
XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX : {$8100.00}.

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 2022-12-31
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected rights to privacy and confidentiality under Account Name : XXXX, Account Name:XXXX, Account Name : XXXX, Account Name ; XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX, Account Name : XXXX, Account Name : XXXX : According to USC 1681e they have violated my rights to privacy and confidentiality sharing inaccurate information about XXXX XXXX XXXX XXXX bankruptcy on my account please delete according to 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: IL
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 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 604 A : it also state a consumer reporting agency can not furnish a account without my written instruction.

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

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 2017-05-19
Company: Diversified Consultants, Inc.
State: TX
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:
Diversified Consultants is  reporting a debt from  XXXX  that we disputed for about a year. We are in the process of purchasing a home, and the record was drastically affecting my credit. We finally just paid the debt, because they said we could get the account removed with payment. Now they are saying they do not do payment for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company : XXXXLvnv funding llc Address : XXXX XXXX XXXX XXXX XXXX Zip : XXXX XXXX  XXXX RE : Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: CITIBANK, N.A.
State: TX
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:
OK. I have had my  CITI AAdvantage card for 2 years. W hen the annual fee was charged, I called  XXXX   XXXX  and asked if I can have any retention bonuses. I was told if I spent {$95.00} or more, I will have credit of {$95.00}. So I spent over {$95.00} immediately after call and finished my spending for a couple days. I called twice, but they told me I will get it and it usually takes time. I belived. When I call ed two day s ago again, now they told me I did not meet minimum spending requirement.. Because I need to wait for a couple of days in order for them to put in to the system ... But I did not hear about it during my first call. Also then why did they tell me during my previo us two calls? They told me they will check recordings, so I said please go ahead to check them . I com plained that I do not want to spend my time and effort and was told by CITI staff that we also did not want to spend it to you. What makes mt pissed off is that this is the second time.. Last year CITI told me that they will provide a bonus point if I keep the card. So I did, but later    they told me no one said that and no record. I insisted to check recordings and finally they agreed to give me points. I hope the service gets better. It is not just money, but trust between customers and banks. Hope they find it and sorry about it.

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 2021-08-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
Dear Sir, This may seem a little complicated, but I have three finance plans with PayPal Credit. Two of these are six month finance plans, where the balance needs to be paid off in six months or accrued finance charges have to be paid. One of these plans requires minimum payments and the other does not, which I do not understand. The third plan is a 24 payment plan with no interest. The documentation implies that 24 " monthly '' payments need to be made,

since the plan goes for two years. I sent a " test '' payment, in the amount of {$250.00} to PayPal Credit for much more than the minimum payment of {$77.00} to see how they would apply the payment. Instead of applying my payment to the first of 24 monthly payments due of {$48.00} on the third finance plan, they applied my {$250.00} payment first to the minimum payment of {$29.00} on the first finance plan, nothing to the second finance plan and the remaining balance to the third 24 monthly payment plan, essentially making me pay the first four to five monthly payments on the third payment plan. I have no problem with PayPal Credit applying my payment to the minimum payment of {$29.00}, since this was stated in the email I
received. I do not know why there is no minimum payment required on the second finance plan, which troubles me.

There is no documentation that I could find in the various emails I have received from PayPal Credit and there is nothing on their website to explain how excess payments are applied. Obviously, the main reason is to force individuals to pay off payment plans that do not have a finance charge and to force individuals to pay finance charges on plans that actually expire first. I told PayPal Credit that this is an unacceptable practice and I consider this to border on fraud.

Fortunately, I am a CPA and I am more than capable of paying the entire balance due right now, if I wanted to. However, if PayPal is going to give me the opportunity to take advantage of six month or even 24 month payment plans, I will do that.

My biggest problem with PayPal Credit is that their emails and statements are very confusing and, in m opinion, grossly misleading. Please keep in mind that I am a CPA. PayPal Credit needs to make their documentation a lot more clear and it has to be
consistent and all payment terms need to be spelled out. I am not necessarily doing this for me, because I already know how to play their game. I am doing this for others, who may be stuck in the same type of situation and don't know any better. This is where I would like the CFPB to get involved and start asking the same questions I am asking PayPal Credit. I would like to attach a copy of my letter to PayPal Credit to this complaint.

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 2023-01-29
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/XXXX I received a credit card in the mail from Wells Fargo - that I never asked for. On XX/XX/XXXX I called them to ask why XXXX they said it was because I'd applied for financing and if I cancelled the account I might lose the financing. I had applied for financing through the XXXX XXXX XXXX in XX/XX/XXXX for plumbing services. The XXXX XXXX XXXX confirmed that they are not involved with Wells Fargo. I called back to Wells Fargo and was told that they would cancel the card and the account. This is phishing! Another underhanded way they are trying to drum up buisness.

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 2023-01-26
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX Account Number : XXXX and also Account Name : XXXX XXXX XXXX Account Number : 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