BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
Company: U.S. BANCORP
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:
I had a balance on a US Bank credit card of {$5200.00}. An auto payment of {$200.00} was just cleared on XX/XX/XXXX. I made a payment online for the balance of {$5200.00}. Once that payment cleared, I called the company and asked for my account to be closed. It was successfully closed. 

Today is XX/XX/XXXX and lo and behold I receive my statement. I open it expecting a big fat XXXX for balance due, but to my surprise, there was a balance of {$14.00}. 

What? 

I called the company and supposedly they were charging me interest DAILY for a cash advance. If that were the case, why wasn't that additional {$14.00} shown on my balance due online? I understand MONTLY statements showing MONTHLY charges, but a website can literally be updated every SECOND. Why wasn't the additional charge reflected in the balance? 

Why would anyone think about, check up on, or follow up on an account after it had been PAID IN FULL and CLOSED? What if I hadn't noticed this new bill for {$14.00}? What if a month went by, then another then another without me knowing about it. Meanwhile, US Bank is charging me interest on the interest on the interest. You could see where this could create problems. 

This seems VERY DECEPTIVE to me, bordering on illegal, that not only did the website not reflect the most up-to-date balance due, but that at no point during the process of me closing the account was I ever MADE AWARE OF the upcoming daily interest charge. Why would they not tell me at the time I was closing my account that I had the option of paying off the current daily interest charge. 

Today I called their one of their reps, asked why the full balance wasn't reflected on the website and reminded her, at least four times, that I paid the total balance due as it was reflected on my last statement, which was the same exact number reflected on their website. She finally offered to looking into getting the fee waived. She was able to. 

I asked for an email notice reflecting this waiving. She said it would be reflected on my next statement.

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 2023-11-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My interest free period on my Jewelers reserve card through CitiBank expired in XXXX. I received a statement where my balanced jumped from around $ XXXX to $ XXXX. After calling XXXX XXXX, i was informed that of a settlement amount to clear and close my account of the previous statement balance, which was good until mid XXXX. I made this payment in XXXX, calling them to confirm receipt and that no further charges were owed. Then closing my account. 

One month later, i receive a statement saying I owe @ {$600.00}. Again i call them and spend @ 30 minutes on the phone, before getting credited the amount as a bank error. I subsequently received written confirmation that my account had a XXXX balance and was closed. 

Another month later and i receive a statement saying i am past due and owner {$60.00}. Again, another 30 minutes on the phone. However this time, because i have received credits, the customer service representative was unable to help. 

Through this process, the tradeline has been incorrectly reported to all 3 credit bureau as having a past due balance, adversely impacting my credit scores. 

My goal is to raise the issues of the banking practices of the XXXX XXXX XXXX for continuing to bill me exorbitant amounts which are not owed, for failing to resolve incorrect statements, for failing to adequetly disclose a settlement amount at the end of the interest free period and for adversely impacted my financial position ( and waiting my time ) over 3 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 non-monetary relief
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

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 2018-08-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I was a victim of fraud back in XX/XX/XXXX. I had just XXXX XXXX XXXX and had multiple accounts for utilities and cell phones that did not belong to me. The person was using my social but not my correct date of birth. I went to the police dept. and was advised to contact the credit companies. Without a name or any information on the person doing it there was nothing they could do. In XX/XX/XXXX I ran into the same problem when I got a call from a bank after someone opened an account online with my information. I have been going back and forth with the credit berues since XX/XX/XXXX. THERE SHOULD ONLY BE XXXX ADDRESS ON MY CREDIT REPORT. HOME ADDRESS WHICH I ATTATCHED A COPY OF MY DRIVERS LICENCE AND MY HUSBANDS ADDRESS WHICH IS THE XXXX XXXX ADDRESS XXXX MO XXXX. ALL OTHER ADDRESS DO NOT AND HAVE NEVER BELONGED TO ME

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 2023-11-26
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I went in to XXXX XXXX on XX/XX/2023 where I was greeted by a female sales representative. I walked around while she basically harassed and followed me through the store. I then decided to engage and ask questions about a specific couch and XXXX accent chairs. I decided to buy them and she went over the financing options. Told me I had to sign a piece of paper to see if I qualified for XXXX XXXX as I repeatedly said I did NOT want a credit card. She told me I had been approved for the non credit option and I left the store. Told me if I paid before delivery of furniture then the XXXX XXXX  option would not show up on my card. I paid the furniture in full XX/XX/2023. Today, XX/XX/2023 I went to XXXX XXXX, greeted by a male sales representative I was looking at couches. Decided on XXXX and same thing. I made it clear I did not want a credit card. He insisted it was not a credit card or charge card. Said it was an account to hold the furniture. After asking more questions he admitted he had opened a credit card. I was immediately upset that he had lied and told me not to worry about it. That the card would close in XXXX yrs if I did not use it. I was so mad I told him I didnt care about that, I said that they shouldnt lie to consumers and saying they are doing one thing and then open a credit card after I was very clear I did not want one. I then checked my credit report and noticed the first card opened on XX/XX/2023 and I realized they are harassing customers and opening credit cards under false information. The same thing XXXX XXXX got in trouble for. This is Fraud. And this card was opened by fraudulent sales representative of XXXX XXXX and XXXX XXXX in XXXX XXXX Indiana. Both cards have a limit of XXXX. They are targeting minorities to commit these fraudulent acts due to the lack of credit literacy as well as marketing these credit cards as XXXX XXXX XXXX programs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
I purchased an XXXX XXXX XXXX from XXXX for {$26.00}, but never received the merchandise. I reached out to the company, and they have no record of the transaction. My bank filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX  The charge appears on my credit card statement. The Bank Reference number is XXXX, and the Claim Number is XXXX The transaction seems to have been hijacked. If you need more information I can supply it if necessary. Also, my credit score from XXXX was lowered by more than XXXX XXXX because of it. I would like a refund and my XXXX and any other credit scores fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
People are using my credit cards and charging me they have used XXXX and making me pay for it and the banks do fraud they use other money I have to make it that I got it back my money which in reality there doing fraud to they also ruined my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

I have also made a request to the XXXX XXXX XXXX  on the XXXX XXXX website to remove this from the account anyways as it is under {$10000.00} and has the same guidelines that fit the criteria. 

I am reaching out and trying to be as polite as possible for you to take the account off of the attached XXXX. ALSO SOME OF THESE ACCOUNTS DO NOT EXIST ON OTHER CREDIT PROFILES! There are different account holders for each account on EQUIFAX, XXXX AND XXXX! 

( XXXX XXXX XXXX XXXX Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting 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 submitted a dispute request proof of debt on XX/XX/XXXX and XX/XX/2023 XX/XX/2023

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 2022-11-17
Company: Southwest Credit Systems, L.P.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Southwest credit systems has unconfirmed and lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET Section 604 of the FCRA. I accept no responsibility for ownership of this debt ; however, Im have tried in good faith to compromise and offer a settlement amount in exchange for written terms. I have tried in good faith, but it is apparent that Southwest credit systems does not wish to settle and accept any form of payment for the alleged Debt. If they are unwilling to, I can only assume that southwest credit systems intentions are that of a malicious nature and does not want or has ever wanted to settle this matter timely, good faith or with intelligent resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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:
Company : XXXX XXXX XXXX, experian, and XXXX XXXX XXXX collection account in the amount of {$1300.00}, disputed with company but it remains on my report. 

CA state 's Code of Civil Procedure 337 states no debt can be collected after 4 yrs. 

Account was opened XXXX of XXXX passing the statute and should be removed from my credit report completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First and foremost, I acknowledge my debt and have all intentions to pay it. I have made arrangements to pay in a way that does my current budget. Some days the calls will be up to 5 times a day, with an average of 3 calls in a day. Occasionally a these calls are back to back within 5 minutes of each other. The main issue is, a good chunk of these calls when I answer, the line disconnects immediately.
I am usually at work when this occurs so it is very disruptive. I consider this a form a harassment. I have asked that Toyota look into this, but have not received any information pertaining to the issue. When I bring up the issue, staff is always very dismissive. 

Examples : Thursday XX/XX/2023 - 2 incoming calls XXXX and XXXX. Both calls answered, line immediately disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, 01 XXXX XXXX, 01 XXXX XXXX, 07 XXXX XXXX, 08 XXXX XXXX XXXX  XXXX XXXX XXXX, 08 XXXX XXXX 08 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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/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 2023-12-15
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$200.00} Amex giftcard from a coworker for the holidays. I tried to use it two weeks ago and it was declined and says its for security reasons. I call Amex they say they need to lift the security on it and it will work. We stay on the phone and it doesnt. They say all I can do is request a new card which takes around 2 weeks. The card arrives this week, I try it on the exact same site, same issue. I call and Im told by yet another Amex rep that it will work in 24 hrs. I tell him that just isnt accurate and can he give me an escalation number for today when it doesnt work. He says there isnt one. I call today and wait for 30 minutes for a rep to try multiple times to transfer me to a supervisor after he says he can fix it and cant and then says he doesnt know. I then call back again to get a new rep and request a supervisor and the rep says there arent any supervisors and hes not sure what else can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Report provided to employer without your written authorization

Complaint:
I went to XXXX : company name who I now see is rated F by the XXXX. So I may purchase a vehicle then submitted XXXX credit application. They sent out my info to multiple lenders and gave me 6 hard inquiries on my credit without permission. I called all lenders to give a complaint and havent been responded to. XXXX hasent been very helpful. The companies whom hard inquires I did not give permission to are XXXX XXXX, XXXX XXXX, capital one auto finance, and XXXX XXXX XXXX. XXXX inquired hard on my credit 3x consent wasnt given for any of these.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX  fail to delete inaccurate names when I send them proof with my id and sscard they are violating my rights. See the attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XX/XX/XXXX, To : Consumer Financial Protection Bureau, This letter is to inform you of my current situation with CitiBank. Since XXXX, I have held a CitiCard master card. I never missed a payment, not even during the pandemic. Some of my background information. I opened my private practice, and my mother died last year. During that time I reached out to Citibank to increase my credit limit to cover all of the expenses. I received a slight increase in my credit limit. Meanwhile I continue making monthly payments on time even though I had a card balance. Based on all 3 credit bureaus, my bills are paid on time and I have no delinquent accounts. 
In XX/XX/XXXX, I received an email from Citibank ( Customer Service po box XXXX XXXX XXXXXXXX XXXX XXXX XXXX  stating that based on information provided by XXXX, the company drastically reduced my credit from XXXX to ~ {$17000.00}. To add insult to injury, my credit rating with XXXX dropped from XXXX to XXXX. My credit usage went from XXXX to XXXX in less than 30 days. Moreover my credit rating from all three credit bureaus XXXX, XXXX and XXXX went down considerably. Please keep in mind that my credit ratings from all three credit bureaus were in the upper XXXX for the past XXXX. I called Citibank in XXXX and XXXX to complain about the change but without success. These are the reasons why I am now reaching to you, the Consumer Financial Protection Bureau for assistance. As you know, a drop of XXXX points in my credit score will put me in a bad light with prospective lenders, and other reputable companies that want to do business with me. It may even prevent me from obtaining grants or loans for my private practice. I am not asking for a handout ; rather I would like Citibank to reinstate my credit limit to {$24000.00} and to inform all the credit bureaus about it. I am surprised at the way Citibank is treating me, a long time business partner who continues to pay her bills on time. I sincerely hope that you, the Consumer Financial Protection Bureau, could assist me in this matter. 
Best regards,

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 2022-11-17
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've filed a dispute with macys/CBNA credit card company where I have been incarcerated in the XXXX  department XXXX XXXX XXXX XX/XX/2017 serving a XXXX  year sentence in the XXXX department XXXX XXXX XXXX Where I am housed at the XXXX XXXX correctional center at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX XXXX is XXXX. I looked on my credit report, I seen an account from macys credit card that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in prison, with a copy of my XXXX prison Identification with my Social security card. Which could've all been verified by the XXXX XXXX XXXX  had this company did a proper investigation into this matter. Where they failed to respond to me in writing. And for these reasons if I have been incarcerated for the past XXXX years when this account was opened in my name I was in the XXXX  department XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 5 years where no credit card was ever Sent to me at my apddress at a penal facility. this is facts that would've have shown that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.

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 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX  fail to delete inaccurate names when I send them proof with my id and sscard they are violating my rights. See the attachment

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