BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: CITIBANK, N.A.
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:
Sir I m using Citi bank credit card for the last 15 years may be more period but due pandemic this I was in trouble physically financially and from earnings also So there was delay in making payment of credit card but I paid principle amount in full and requested many times to waive the interest part which quite handsome amount Citi bank has down my cibil score due to which I m facing log of hardship Kindly look into matter with a request to give me positive solution As I have approached many times Citibank even sended mails to there ombudsman Dept but yet no response My citi bank credit card ending with XXXX Regards XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX XXXX Email : 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 2022-04-11
Company: EQUIFAX, INC.
State: GA
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 Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2823 I deposited a check from XXXX XXXX stating that i just needed to deposit to the money was online called the bank that the check was drawn off of they stated it was not fraud so i deposited it the bank cleared it Then they Told me if I didn't send money back to them that they were going to be able to help me again.. On XX/XX/XXXX received another check deposit it again was told to send money back to them but this time it was if I didn't They were gon na come after me So of course I send the money back to the person ... A few days later my bank realized that these were altered checks... Bringing my account negative I am now - {$6100.00}. 
I am a XXXX mom of XXXX children who is leaving a domestic violent situation when you hear those things as a victim you tend to get intodier fighter flight mode I thought I was doing the right thing turns out it was a scam cash up ended up getting Then paid The money I sent to them but now I am struggling to get the money back to put back into my bank account and since then my bank account has taken my Washington State tax retuand apply it towards my negative account this is not fair and I'm getting daily charges and I can not afford it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: LoanCare, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
My credit information has changed for my credit score to drop from XXXX to XXXX. I called my mortgage company NewRez whom have been constantly harassing me about refinance my mortgage, when I made it clear Im not interested right now. I just finished a modification with them last. 
I can think of any reason why reporting on my credit would cause my score to soar so low in matter of months. 
Please advise 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 2023-04-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was scammed by XXXX XXXX where they, allegedly, transferred my call to XXXX after telling me that my account had been hacked. I was on the phone with XXXX for hours XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did purchase 3 gift cards, under false pretenses, believing all the while I was talking to XXXX. I am a XXXX widow of an American XXXX Veteran on a fixed income who desperately needs my money given back to me. I am also a victim of a scam and I should not be held accountable for this horrible incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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 status incorrect

Complaint:
Ive pulled my credit report and the account with XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Equifax and with XXXX Acct # XXXX its showing a late payment in the month of XXXX of 2022 which is illegal and violation. According to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I did not receive any type of notification at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I got called this morning from XXXX XXXX XXXX XXXX verifying if I had been in Georgia trying to get a loan. I told the caller I did not and he said that I'm likely the victim of identity theft and that I needed to check my credit reports. 

I've taken steps to freeze and add fraud alerts on both Equifax and XXXX. However, I am unable to create an account on XXXX due to issues with their website. 

I have read that I should also file a complaint with the FTC as an a fyi.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I recently discovered inaccuracies on my credit report. I disputed the accuracy of XXXX XXXX on my Credit report. the series of disputes went as followed i recently sent a letter on XX/XX/18 disputing this account they signed for the letter on XX/XX/18 which they marked disputed and verified i then sent another letter asking to provide me with proof of how the account was verified and present a contract bearing my signature, which they failed to do so. This is my last attempt to clear this matter up before we take the matter to small claims court and sue for {$1000.00} per violation .Please remove XXXX XXXX from my credit report as it continues to promote negative / inaccuracies on the credit file you hold in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of America has fraudulently siphoned XXXX from me. I could not check more options but they have 1. denied my federally insured funds from being returned after I was robbed 2. Opened an account in my name without my consent that went negative and made me repay 3. Charged me outrages fees for atm overdraft and late fees. 4. Have double charged me for the claims they said they paid but never did {$1900.00} and {$2700.00} for the claims they deducted from me and all the overdraft fees late fees penalties they illegally took from me the XXXX years I've been a consumer with them.

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 2022-02-18
Company: FIRST HAWAIIAN, INC.
State: GU
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
My name is XXXX XXXX from XXXX XXXX number : XXXX Email : XXXX First Hawaiian Bank Charging me service fee of almost {$6.00} Without letting me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: AFNI INC.
State: AP
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A new account showed up on my credit report as being opened XX/XX/2019, and placed in collections for the amount of {$170.00}. Says it's XXXX XXXX XXXX, I might have had an account with XXXX XXXX XXXX like over 30 years ago but have been stationed overseas for the last 2 years and have not opened any new account ( s ) with XXXX XXXX XXXX, in fact I don't even know if XXXX XXXX XXXX would even work overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company called credit Acceptance I have requested in writing to receive documentation to verify this debt and also a deficiency document that shows what I supposedly owe I send this letter certified mail which they received on XX/XX/18 they havent responded and has been more than thirty days the company has sent back a generic faq sheet about how they share information I also sent in all my identifying information have not received a response yet currently reporting on my credit report as owing XXXX dollars I would like to see the documentation that is backing this claim

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 2018-04-28
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/2016, I transferred {$1000.00} from my PayPal account to my XXXX bank account. The XXXX account had been closed for a few months. I did not know that. It was not an account I used very often. I had a credit card associated with the XXXX account that I wanted to pay and use funds from the PayPal account. The money never hit the account cause, according to XXXX, the account didn't exist anymore and it's impossible to move money into an account that does not exist. 

I called PayPal a number of times to try and resolve this and, each time, the told me the money was moved and XXXX has it. We would get on the phone with XXXX and they would say the same : they wouldn't accept money for an account that does not exist. 

The PayPal trace request number is : XXXX I don't have the XXXX account # but the debit/credit cards associated with the account always pulled the account up and those are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I haven't called PayPal in quite some time because I couldn't stomach having them tell me there was nothing they could do anymore. 

Please help! 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX  XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$680.00}

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 non-monetary relief
Consumer complaint received 2022-02-18
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:
XXXX XXXX : NOT MY NAMES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NOT MY ADDRESSES : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
TransUinion is charging for a free service with deceptive practices and needs to be stopped. We have 3 major credit agencies. With Identity theft we have the right to access these systems free of charge!! I never gave permission for any of these companies to even have my information!!! TransUnion hides behind a free credit report and then charges you money!

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 2017-12-06
Company: EQUIFAX, INC.
State: PA
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:
Me and my dad have the same name he is XXXX, and i am the XXXX. He has an account with XXXXXXXX XXXX XXXX XXXX that is in collections and showing up on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove the fraudulent hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX from XX/XX/2021. Attached is the letter from XXXX XXXX XXXX XXXX XXXX requesting/approving the removal of the unauthorized hard 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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 non-monetary relief
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16818-2 ( 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 2019-11-04
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently signed up for Chase bi-weekly mortgage payments as Chase advertised that I would " Save money '' and " make an extra mortgage payment '' each year. Both statement are inherently true : if you make an extra mortgage payment you will save on interest. 

What Chase does not tell the customer ( me ), is that they are not applying your bi-weekly payments to your mortgage Chase is withholding the first bi-weekly payment ( assuming in a non-interest bearing account ) and then paying your normal monthly loan payment once the second bi-weekly payment is received. The customer is " saving '' because there are 26 bi-weekly payments ( 52 weeks ) in a year vs. paying twice a month or 24 payments for 12 months. 

I believe there is possibly a TILA issue and a UDAAP issue here. First, my mortgage payment is not being applied to my account upon receipt. If I pay my mortgage bi-weekly, the funds could/should be broken down to principal, interest, and escrow, thus, reducing the principal amount every 15 ( or so ) days. If my principal amount is reduced bi-weekly, then my interest amount would/should be reduced bi-weekly. Over time, the amount of interest I pay would be reduced by # 1 the extra payment each year AND # 2 the interest savings from the bi-weekly payments. Currently, the only benefit to bi-weekly payments is making an " extra '' payment due to the number of weeks in a year. 

Secondly, I believe the bi-weekly payment marketing is misleading ( UDAAP ) as I was not aware that Chase would be withholding my bi-weekly payment until the second bi-weekly payment is made. There is potential that Chase is putting my funds into an interest-bearing Chase-owned bank account while they wait for my second bi-weekly payment, thus making more money in interest. By making bi-weekly payments, I forego the opportunity to earn interest on the money I give to Chase. Had I known that Chase would not apply my bi-weekly payment when it was received, I would not have signed up for bi-weekly payments as there is no principal and interest reduction value for the 15-16 days it sits in a Chase account. 

I called Chase on XX/XX/2019 at XXXX XXXX  EST and spoke with XXXX XXXX who listened to my complaint. I asked that my complaint be brought to the Office of the President. I also stated I would file a complaint with the CFPB. 

Please see below steps 1-5 for information regarding my mortgage payment history. 

1 ) XX/XX/2019 paid monthly mortgage payment ( {$1900.00} ) 2 ) XX/XX/2019 paid monthly mortgage payment ( {$1900.00} ) 3 ) XX/XX/2019 paid bi-weekly mortgage payment ( {$1000.00} ) - unapplied to account 4 ) XX/XX/2019 paid bi-weekly mortgage payment XXXX {$1000.00} ) - unapplied to account 5 ) XX/XX/2019 Chase utilized bi-weekly funds ( {$2000.00} ) to make regular payment of {$1900.00} plus {$16.00} extra principal. 

6 ) XX/XX/2019 paid bi-weekly mortgage payment ( {$1000.00} ) - unapplied to account

Company response to consumer: Closed with explanation