BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My credit reporting agencies report that Im a authorized user on another persons capital one account. When I call they deny, however I escalated the call 3 times and finally a agent was able to find where I was a authorized user XXXX employee number ID # XXXX, the person Im an authorized user on is a stalker and I have an active restraining order against and has attempted to Kidnap me. I explained this to capital one and stated its fraud they refused to remove me and send me a letter so I could file it with my credit reporting agencies. I never authorized this and never signed anything to authorize this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
There were unauthorized charges used on a home depot card in the month of XXXX that totalled over XXXX. XXXX XXXX sent me a text asked I'f id tried to purchase something and I advised no. The next day fraud dept called and we canceled the account. They told me charges never went thru so they issued a new card. They never told me about the other charges that were charged to my account that they allowed so I called them in XXXX dispute those fees. XXXX case was opened and until today they say I'm responsible for fees I never purchased at there store.

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 2023-10-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/2023 I changed my payment due date with American Express after starting a new job. I was told that the change would go into effect by XXXX, and that I could pay the bill on the new due date in XXXX. I was reassured by the representative that Amex would waive any interest based on the new payment date if any charges were assessed because of a " late payment '' on the new due date in XXXX. 

I paid in full on my new due date in XXXX and was assessed interest ( around {$300.00} ) on the full amount of the balance because the new due date was not yet in effect ( I paid 3 days after the old due date ). In XXXX, I also paid my bill in full. I was assessed yet another interest charge ( around {$300.00} ) in XXXX based on failing to pay by my original XXXX due date ( trailing interest ). I called American Express in XXXX and they promised to credit me for these interest charges. They did not, and I called back in XXXX and told me that they had to escalate the matter for review. They refuse to waive the charge while the investigation is ongoing, which could take weeks. 

In sum, I have been charged over {$600.00} in interest on two statements for paying one bill three days late, after I changed my payment due date and was reassured that any interest charges would be waived. 

This behavior by American Express is fraudulent, dishonest and unfair. If a person tricked another person into incurring over {$600.00} in charges, it would be a crime. For American Express, this is just another day doing business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a 1 inaccurate missed payment that's Reporting on my credit. PLEASE properly investigate this missed payment and remove it from my credit report XXXX XXXX XXXX XX/XX/2021 2021

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 2021-06-25
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Last week, I was trying to send money through domestic wire from my Chase bank to my crypto exchange account. Before I had been sending through debit which takes a 3 % fee. 

This time I was trying to send {$3000.00}. I did and Chase of course blocked it and my mobile log in. I called to verify and it was all good. But my wire transfer was canceled. It showed up as pending on my brokerage account though. 

So I try sending {$3500.00} and again was blocked my own bank. I called verified and logged in again to see my wire transfer canceled AGAIN. It showed up as pending on my brokerage account still. 

So now, I try sending {$5000.00} and they blocked it! I was furious, I called verified and made sure they sent the money. I logged in and see {$5000.00} out of my account. But this time no PENDING status on my brokerage account. IT WAS THE SAME ADDRESS. 

I'm pretty sure Chase lost my {$5000.00} and are coming up with excuses. I called my exchange and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last active between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX this account is re aged.they are reporting 2 different credit amounts {$1500.00} and {$0.00} different account numbers are being reported if you take a look XXXX has a dash in fornt. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting

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 2022-01-29
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a Spend Account with Credit Karma. My entire payroll check is directly deposited into my account and my account has been frozen. I have contacted customer service who tells me my account is " under review '' but can not give me a reason why or a number to contact to determine the issue. Customer service also informs me that I am able to use my debit card but I can not. I also have an auto payment which came back as account frozen. No one knows what the problem is and I have no access to my money. I have rent and car payment due and can not make any payments or withdraw money. I am attaching the last email I received from them. It indicates I am trying to open an external account which I had not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ability Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This debt collector has called me up to 12 times a day sometimes within 20 minutes of each call and I have asked them to please cease all phone calls as they have not only called multiple times but have threatened judgement and legal action and have also added a second debt to my report after I tole them I would report them for harassment. They refused to mail me documents to prove the debt and refused to provide a call log of all the times they have contacted 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 explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: GA
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:
There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to XXXX, Experian and XXXX to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 
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 2022-11-13
Company: AMERICAN EXPRESS COMPANY
State: AL
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:
To whom it may concern. 
My name is XXXX XXXX. I have an ongoing investigation/case on my account that I know was closed to avoid yearly fee of {$99.00}. 
XXXX XXXXbeginning of XXXX- I have called customer service line, spoke to representative and closed my account, told her I did not need the card and asked to waive the XXXX fee. She confirmed the account closure was successful and fee waived. Afterwards I have destroyed my card, my login information and everything else related to my account. I always keep my finances in order and I have explained to representative that I did not need another card with yearly fee. 
As stated, I removed all information I have regarding login and password on file and destroyed my card then. I have not been able to login to my card and have only last 5 digits of the card XXXX since then. When I call they locate my card by SSN and last 5 digits of the card. 
However, on XX/XX/, I have received a statement from AMEX. I've called and spoke to representative that I had already closed my account. Her name was XXXX. She informed me that I my account was still active!!! 
I've informed her that I did indeed close and she on her end made sure that time I do close my account. Also during the conversation I had asked to start investigation as to why my account was not closed. She assured me that they will send request to higher level and investigate. 
XX/XX/ - I receive the statement again for XXXX yearly fee. I call again, representative makes note on my account and tells me investigation is still in process and might take until XXXX. Makes note on my account. 

Afterwards I receive NO update and nobody attempts to contact me regarding investigation. 

XXXX XXXX  - I contact AMERICAN EXPRESS. The representative said investigation was closed and I still owed XXXX because " random '' phone conversations were checked and they could not locate my request to close my account back in summer. He said he would make a note and ask someone to contact me. 

I have created a complaint through XXXX  case number XXXX. I am seeking assistance as to I have no communication from AMEX and they would not waive the yearly fee because they say my account was not closed in time for a yearly fee waiver. I oppose and believe the representative intentionally did not close my account and falsely told me they did. 
I am very disappointed in the service and also having not received any updates, calls, emails regarding my case and the results. 

Again, I have no access to my card, login information and have no idea why the card wasn't closed on my first contact. 

Regards XXXX XXXX, Card ending in XXXX ( all I know )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: MS
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:
XXXX, XXXX XXXX, XXXX XXXX A XXXX XXXX, XXXX Investigation Request Letter Date of Birth : XX/XX/1997 SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all.Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want those accounts deleted because they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation.

Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller and others who furnish third party disputes free of charge, etc. Please investigate the following accounts and remove them for not authorizing my personal information to be verified.

I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX Account Number : XXXX Action Requested : Cancel Contract. Please provide the original contract or delete. Victim of Identity Theft. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 instuctions.

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file. I want the investigation outcome to be sent to my address I put on the from area. 


Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
iN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 

XXXX : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX FRADULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years. 1 5 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 have reasonable cause to believe that the information is inaccurate.

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 2023-01-08
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had a Walmart card from SYNCHRONY BANK years ago however the card that they said I had ending in XXXX was never a card that was issued to me from Walmart. The card debt was sold to XXXX XXXX XXXX. I was never notified by Walmart that they sold the debt. I have no problem making a settlement or paying the debt. I need the correct information and also a copy of my application that was filled out by me. They also said I made payments they should be able to tell me what checking account number or bank that was used for payments on the. account or at least the correct account number. I have since been sent to a collection agency entitled XXXX located at XXXX XXXXXXXX XXXX in XXXX XXXX  .The tel # for this company is XXXX. I did have a Walmart account but the card number is not the one that is stated in the documentation. If the Bank made a mistake they should be able to provide me with the correct information. I have requested copies of my Credit Report and the card number that they stated ending in XXXX was never issued to me or on my credit history. They want me to send in and affidavit and a Police Report, I have never said I had any identity issues, I have asked numerous times for the application that was completed by me with my signature and my payment history and all they have submitted to me is a letter stating the last payment received from me was XX/XX/XXXX. That was in the middle of the Pandemic and I know that I did not pay any payment to Walmart at that time. The account was supposedly charged off XX/XX/XXXX. I have no problem with clearing my debt or making arrangements on this debt providing I have correct documentation. I am XXXX XXXX XXXX and on XXXX XXXX. I sincerely hope this can be rectified soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Late XX/XX/2023 I received a text notification on my phone from XXXX that a collections account was added to my credit report. Upon reviewing the most recent credit report I confirmed that a collections account was added by Allied Collection in XXXX XXXX. The original creditor being a XXXX XXXX XXXX. I have never had any business dealings with this XXXX XXXX XXXX. I asked the collections agency to research the account in more detail and provide me information about the debt. They refused to do so, instead responded to XXXX within 24 hours that the debt was valid. I informed both XXXX and Allied both verbally and in writing that I dispute this debt under FCRA and requested this false account be removed from my credit report immediately. This is identity theft or a mistaken identity issue. I informed XXXX and Allied Collections that I have a XXXX XXXX XXXX son with the same name ( XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX that is using my identity to open up credit lines at casinos to support his drug and gambling habits here in XXXX XXXX. I added a fraud alert to my credit report as well as a hard freeze on my credit report. I have millions of dollars of credit, XXXX XXXX  score, and would never fail to pay a {$300.00} bill. This is illegal collection of debt by Allied Collections.

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 2019-01-02
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking and a saving account with citibank.com for a XXXX $ bonus. The webpage states How To Earn Your {$600.00} Bonus You must open a new eligible consumer checking and savings account in The Citi Priority Account Package until XX/XX/2018. 
Within 30 days of opening your account deposit {$50000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$5000.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$50000.00} in your eligible linked checking and savings account for 60 days. 
Upon completion of the requirements, the {$600.00} bonus will be credited to your new checking account within 90 calendar days. 

I opened the accounts on XX/XX/XXXX and deposited XXXX $ to the saving account and another XXXX $ to the checking account. The money has been with citibank for over six months. I met all the requirements and citi customer service acknowledge that. However, they just kicked the balls and promised dates for me, but never really deposit the bonus.

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