BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am victim of XXXX because of being exploited using a marital dispute I had to separate from wife XXXX because of health issues and erotic immaturity some criminals related to and that could use surname of XXXX had injured killed my mother and injured me and I have no information about XXXX and is fault of banks or some fraudulent XXXX by thieves. Please request XXXX or help her to fly back with me to usa she is reported to be married after XXXX sold to XXXX  and I have no income some fraudulent might be taking a share of my income or controlling my wealth supporting her she should be living with me in California as a family I have no other I have no children I have to rescue myself and her to California and lead our lives

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 2019-07-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
# 1 Home Depot Credit card - the store checkout person sold - you will get a discount. 
1. I signed up, with our excellent credit, got approved for one transaction {$120.00} 2. Returned some stuff, account was down to {$54.00} 3. When I tried to pay, it said you were trying to pay more! Rep said there was a pending return slip of {$53.00}, and took that payment {$1.00}. Ok {$0.00} balance, right? 
4. Wrong! XX/XX/19 - I looked online, had late fee of {$28.00} on top of $ XXXX- {$1.00} ~ {$53.00}. 
So I called them, and paid with {$53.00}, rep said will delete late fee. 
5. XX/XX/19 I check online account, yup ANOTHER late fee, called rep, saying first no {$53.00} payment, then more detailed that yes there was a payment {$53.00}, that was deleted later, that is why ANOTHER late fee and {$53.00}. But wrinkle was that actually only {$45.00} due in their backend system. I offered to pay with a credit card so to get a compete account. 
6. XX/XX/19 XXXX - asked same rep in # XXXX above to bump to supervisor XXXX emp id XXXX and she said cant take credit card even if charge convenience fee. She took my debit card to pay off account {$53.00} and I asked to close account. Conf # XXXX. 

4+ rep interactions - Consumers time got to be worth minimum wage! 
Home Depot is awful in credit card DIS-services. 
My advice - don't fall for their promos, etc. 

# 2 A separate fear I have, is that returns are nickel-and-dimed, not sure if all of them made it, as the background entries show discrepancies - like pig in a python .. the digestion seems to take month+. Witness {$54.00} shown, but -XXXX credit " return pending '', then next time -XXXX only not -XXXX due. 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 2023-11-13
Company: Diversified Recovery Bureau LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
So, I have had my cell number for around 10 years. I keep repeatedly getting calls from a XXXX XXXXXXXX number. I have a XXXX XXXX, Mo number. Since they dont leave their name or who theyre calling from I have to look the number up that they say to contact them back on. Actually, the only thing they say on the VM is " Contact me or my associates at XXXX ''. Sometimes you may hear its start with XXXX but they ALWAYS leave out who theyre calling from or what their company name is, which I was under the impression is a illegal tactic under the FDCPA. 

Well, i called them once again and theyre name is Diversified Recovery Bureau LLC and theyre looking for a woman under the name of XXXX XXXX . Which I am not, no only is that not me but im a man, and no one in my family has that name. Ive told them this in the past. When calling, they dont even like to clearly tell you what their name is, they try to brush by it quickly and not clearly. Very unprofessional if you start questioning them. 

So, today is XX/XX/2023, I recieved another Vm doing the same thing, and i called them back to let them know that this is not me and they need to stop contacting me. Its frequent too. I have XXXX in my Vm log now, plus XXXX in my deleted folder, doing all the same tactic calling from XXXX number being ( XXXX ) XXXX. I have these Vm saved and can provide proof of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I just received an alert on my Experian credit report that shows I am 30 days past due on my td credit card. My score dropped XXXX points and this is the first negative item on my credit card history. I havent used or had physical access to this credit card in years and any resulting activity or usage has went without my oversight. Please remedy this as soon as possible as this is purely an oversight due to my understanding that this card hasnt been used for several years. Please accept my apology and issue me this one time courteousy so I wont be held XXXX by this one time issue in my long history of outstanding payments and usage.

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 2021-11-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had two fraudulent charges on my credit card on XX/XX/XXXX : 1 ) XXXX and 2 ) {$3000.00}. Both US $ equivalent as the charges were XXXX XXXX to the XXXX XXXX. I have received a phone call from the credit card company about the attempted charges on XX/XX/XXXX and I told them no I did not authorize those charges. I called back on XX/XX/XXXX to make sure that it is reported as fraud. I received a letter dated XX/XX/XXXX that my claim was denied. I called back the credit card company once I saw my claim denied, on XX/XX/XXXX disputing the charges and followed up on email that the charges are fraudulent. I continued to appeal again and also filed a police report on XX/XX/XXXX as a victim of credit card fraud and identity theft. I had called the credit card company and told them I filed a police report and provided the report number. I also followed up on email. I received a letter dated XXXX that my transactions are valid and my fraud claim is closed. They stated they have researched my claim thoroughly. This is completely false, because there is no reason why I would buy anything from XXXX. I am based in California.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 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 2022-10-15
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
XXXX broken several laws 15 U.S.C1681 section 602 A I have the right to privacy.

15 U.S.C 1681 604 A Section 2 a consumer reporting agency can't furnish a count without my written instructions. XXXX XXXX has been reporting this information without my permission for over 45 days. I been asking them for months to delete this inaccurate information and they just say they are reinvestigating and never give back any results of the investigation. They haven't shown that they are Metro 2 compliance or how the verified this information to begin with. XXXX has defamed my character on 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 2023-10-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Venmo suddenly closed my account for " inactivity '' on XX/XX/XXXX, despite being active with the last transaction taking place on XX/XX/XXXX, only a month before. constantly checked my email to confirm I was being paid via Venmo as well. 

I constantly checked my email to confirm I was being paid via Venmo as well. Was told " After a period of inactivity, Paypal/Venmo will send the User an email ( sent from XXXX ) explaining that the account has been inactive for too long, and give a timeframe for transferring the funds out of the account. '' They claimed they send notifications on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

NONE of this is true. I tirelessly searched through my inbox and archives, there was not a single notification and " XXXX '' does not exist otherwise it would have shown up. The closing of my account in XXXX was sudden and Venmo dismissed it completely. Escheatment laws define dormancy as inactivity of three of five years, not one month. I even send a screen shot of my inbox searching from XX/XX/XXXX to XX/XX/XXXX and there was not a single notification other than who I paid or who paid me. 

Also was informed there are no unclaimed funds as of now and they are asking for a Proof of Delivery letter ( XXXX ), which I forwarded to Venmo. Still no response. 

Venmo pretty much pocketed my money and ignored me possibly in an attempt to avoid any liability for their scam. I am not convinced otherwise. 

They just took {$160.00} from me and now there is currently {$140.00}, so I am down {$300.00} total for no reason. They will will not let me add a card or bank account to claim any funds, nor will they let me refund it back to people who tried to pay me. I am pretty sure XXXX is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Experian requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway of taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX SERVICES 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 2021-11-11
Company: CARVANT FINANCIAL LLC
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have a loan with CARVANT FINANCIAL LLC. I have always made my payments on time. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hunter Warfield collection, Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 I have exercised my specified remedy and sent you on XX/XX/2023 A notice of debt validation.

You Hunter Warfield collections have violated my Rights pursuant 12 CFR 1006.34 ( c ). 
You Failed to provide all the required Documentation as per my request under the new rule Regulation F and Validation of debt.

The law is explicitly clear ignorance of the law is no excuse. Your 30 day Debt validation period has ended and you FAILED TO PROVIDE ALL REQIUED validation Information AS PER THE LAW 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

All collection activities on this Alleged Debt that you failed to provide validation within the 30 day period allowed by Federal law Pursuant 12 CFR 1006.34 ( c ) Must be DELETED Immediately. 
You have been warned I will pursue legal action if this account is not deleted in 15 Days from receipt of this Final notice. I will seek damages, actual damages, statutory damages, Plus all remedies adored to me under the civil liability section of the FDCPA and or Regulation F.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have inquiries and a bankruptcy on my credit report that doesn't belong to be I was a victim of Identity theft fraud I made a complaint with my local police department and the FTC report I contacted all XXXX bureaus Transunion, XXXX and XXXX doesn't want to remove the inquiries or Bankruptcy off my credit report here are the inquiries and Bankruptcy of my credit report XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX InXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX Inquiry 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 Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Government XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry

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 2022-05-17
Company: EQUIFAX, INC.
State: CT
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:
I sent a letter to the company to correct or remove the account. 

I had the Credit Bureaus contact the company to remove the balance or remove the account in full. 

I know according to the FCRA I have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a old balance reporting on my credit report by Credence Resource Management in the amount of {$270.00}. It was not impacting my score, but I decided to pay it. I called to settle the amount, and was told I had to pay with the original creditor. This was done XX/XX/23 in full. Credence stated the process to remove this from my report takes XXXX weeks. I have made at least XXXX calls to the company any and have been shuffled around. Since paying the amount owed ut negatively impacted my credit score  by XXXX points. I have suffered a tremendous drop in my score and credit worthiness as a result of this company 's lethargic process and anemic efforts to remove this and help. Each individual I have spoken with have shown little to no effortor concern to remove this.I last spoke with the creditor and the collection agency on XX/XX/23. The creditor indicated the balance is a XXXX balance and that communications had been sent to the collection agency on XX/XX/23 to delete and remove the mark from my credit report. I spoke with XXXX XXXX, a XXXX of Credence Resource Management LLC on XX/XX/23 and on another occasion. Even though he did his best assist, he also informed me of other news. I was informed that EVEN THOUGH CREDENCE RESOURCE MANAGEMENT LLC, IS ABLE TO SEE THE BALANCE HAD BEEN PAID IN FULL AND IT NOW HAD A XXXX BALANCE, THEY WOULD NOT DELETE IT FROM MY CREDIT REPORT UNTIL THE CREDITOR PAID THEM OR IT WAS ( UPDATED ). I asked why must I continue to be held hostage while the creditor and collection agency resolve their business agreement. The creditor states there was nothing more for them to do. The debt collection company refuses to budge and remove the blemish on my credit report causing damage to me, my credit worthiness, and any potential job opportunities that review credit as a criteria for positions. I have suffered damage, and harm. The collection agency refuses to do their part and remove the negative mark from my credit report, evn though they admitted seeing it shows paid and with a XXXX balance. The collection agency has been uncooperative, unwilling to assist, and continue to report a debt that has been paid which is a direct violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I opened a CD account for XXXX for XXXX months at Chase Bank because I saw the advertisement that said the interest rate was 5 %. I opened it through the app, but after I opened it, I noticed the interest rate to be only 3 %. So, I got confused and contacted Chase Bank. The banker answered my phone and told me that the interest should be 5 %, and the app might be delayed. And he calculated how much money I could probably earn through this CD : XXXX % * ( 3 months/12 months ). 

Later, as the three-month approached, I found that the interest rate shown on my app was still 3 %. So, I got Chase Bank again to request more information. This time, they said the interest rate was always 3 % and had never been that high. I told them what the previous banker told me before, they said that I could provide no evidence for what the previous banker said. I was so angry!!! Do I supposed to record all the phone calls from them??? I mean it is okay if the interest rate is 3 % originally, but it is definitely not okay if they fooled me. I filed several complaints but never heard back any positive results. Everybody from Chase acted as if it was none of my business. Nobody even apologized for that.

Company response to consumer: Closed with explanation