BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: CITIBANK, N.A.
State: IL
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 opened a credit card with citi bank via best buy on XX/XX/XXXX and ever since i opened the card i have not been able to log in to check my transaction or view anything on the account. i have called to complain about this but they always have an excuse or say their system is down. I also tried downloading the app to sign up but it does not recognize my credit card number or SSN number. I again went to their website to try and log in same issue my information was not recognized, then i went to read their reviews and saw that most of their customers experience same problem. They are fraudulent and will keep you in the dark so you can't monitor your money or their charges on the account. 


I do not have a easy way to make monthlypayments, also I don't know when my monthly payment is due cos I can't access the account or know how much is due. So I had to go look for money during this Pandemic to pay off the card balance cos it seems am being ripped off. I made a payment of {$1500.00} on XX/XX/XXXX and called them on XX/XX/XXXX and spoke with a representative who stated i do not have to make any payment as at the time that there is a refund of {$39.00} reversal processing on my account and will put the balance in excess of {$14.00} and some cents which will be sent out as a check payable to me. 
Then i called them after 2 weeks to check my account status only for them to tell me 2 other late payments have kicked in, in the amount of {$24.00} each making it {$48.00} outstanding on my account. This outstanding is their fraudulent late fee charges. 


I need this removed and my account refunded back to XXXX balance as I have paid it of before they the {$48.00} fraudulent late fees within 2 weeks to my account. 


I have a very clean credit history, I have never had a late payment on my credit report so I told them not to post anything negative or late to my account. I need urgent intervention to protect my credit history against this fraudulent activity Dates I recently called them : XX/XX/XXXX XX/XX/XXXX XX/XX/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 monetary relief
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 asked Transunion to validate XXXX XXXX account reporting as derogatory. Transunion nor XXXX XXXX  has not been able to furnish a signed contract validating the debt obligation after multiple dispute attempts.

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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There were not payment required from XXXX until XX/XX/2020 due the virus ; however, XXXX is showing late payments for XXXX and XX/XX/2020. I was never late and I'm requesting METHOD OF VERIFICATION AND PRECEDURED USED FOR VERIFICATION. PER MY RIGHT.

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 2023-06-19
Company: CITIZENS FINANCIAL GROUP, INC.
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:
On XX/XX/2023, I received a notification from my credit bureau that my credit rating has decreased. This was due to citizens bank decreasing my credit limit from {$20000.00} to {$7600.00}. This created a windfall of negative results for me. For example, it created an increase in minimum payment from {$53.00} to {$200.00} ; a credit bureau utilization change from less than 30 % to 95 %. This decrease resulted in a decreased credit rating with all three credit bureaus.

I received to date no notification from Citizens Bank. I called them to inquire and spoke with the most insensitive manager in creation a XXXX XXXX XXXX, XXXX. He explained that the automatic payment of {$30.00} they received did not cover the minimum payment of {$53.00} so they lowered my credit rating as a result. Today I did not receive a phone call or letter from Citizens bank. I was not assessed a late fee for the four day late payment. The banks report to the credit bureaus for 30 days late. Citizens reported a credit decrease instead which is more damaging to my credit rating. Is this how Citizens Bank treats their good customers? Penalties for being four days late for {$23.00}? All I needed was a courtesy call or a letter stating the payment wasnt satisfied. This is an easy resolution as I have enough funds in my checking account to cover it. This was an easy resolution. While visiting my branch office, a Citizens bank officer offered me this credit that I did not initially request or need. They gave me a $ XXXX credit limit only to snatch it away on a technicality. I ask again is this how good customers are treated? Furthermore, there is no one to contact except writing to the office of the chairman. There is no customer advocacy group to call no email address to write to, only an insensitive manager to speak to. Your prompt response will be greatly appreciated. 

In addition, I visited the XXXX NY branch on XX/XX/XXXX, since their representative initially offered me the credit card. They contacted the credit department, who sent me a letter, finally, in an email. I received notification of what happened to my credit line and that the {$23.00} payment was four days late. In conclusion, I lost my credit line, got a reduction with all three credit bureaus for an error in payment amount. 

XXXX XXXX Citizen Bank Customer Credit Card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a retail credit account with TJ MAXX about a year ago. I owed about {$75.00} on the account that I paid last XX/XX/XXXX when I requested the account to be closed.

Since then I have been charged a late fee of {$35.00} every month which is not permitted since I owe nothing and repeatedly stated the account had been closed to the debt collector SYNCHRONY BANK which now claims I owe {$220.00}.

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 monetary relief
Consumer complaint received 2023-09-14
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased online and used XXXX from my checking account to pay for the product. The online vendor did not ship the order and didn't reply to my multiple attempts to contact them via email and phone. A representative told me that if you XXXX someone, it is like giving them cash, and I won't be able to get a refund. I gave up after hearing that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My Personal Information was stolen in XXXX, since then I've been seeing a lot of unauthorized inquiries and accounts. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed below. 

XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( BANK ) 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 2022-09-24
Company: BARCLAYS BANK DELAWARE
State: VA
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 opened a Barclay cc in earlier XXXX and have the full amount paid in/on time ( billing cycle ends on XXXX and I paid in full on XXXX ). Yet they charged me late fee + interest for past few months which I just recently realized upon rejection on mortgage since early XXXX. Becuase of their abusive useage of the banking system, my persona credit dropped XXXX points recently which result my mortgage amount doubled in interest from an average of 3.87 % to the market price of 6.125 %. My mortgage principle is {$100000.00}. Due to the dropping credit score by abusive useage, my application was misdirected and delayed. As of now, the paid off total increased by {$100000.00} from {$200000.00} to {$300000.00}. Barclay shall be 100 % liable and responsbile for the difference.

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 2023-11-22
Company: EQUIFAX, INC.
State: NC
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:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received marketing emails from Barclays Aviator Mastercard dated XXXX XXXX XXXX XXXX XXXX  stating that if I spend money using the Aviator credit card on grocery store, drug store and restaurants purchases I will receive up to XXXX Advantage Miles. Today is XXXX and I have not seen this post to my Advantage account or referenced on my Aviator statement. I have contacted Barclays Aviator more than 5 times regarding this matter but it is truly a waste of time and very little help or information is provided.

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 2021-06-23
Company: ERC
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2015-06-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
Complaint XXXX : XXXX, Chase Bank, and XXXX Bank Credit Card Solicitation PracticesBait and Switch Fraud! 

On XXXX XXXX, 2015 ; I signed up for a credit card on XXXX. I was enticed by the offer that I saw, which was " 12 months no interest ''. Unfortunately, I would soon realize, I did not receive this offer. 

In XXXX of 2015 ; I received a credit card statement and to my surprise, I was being charged interest on a purchase that was supposed to be 12 months no interest. 

I immediately called XXXX to rectify this issue. I was only on the phone with XXXX for a few minutes when a representative told me the credit card that I have is through Chase and XXXX does n't handle credit card inquiries. With that information, I contacted Chase, it was during that conversation that I was awoken to the fact that I had signed up for the XXXX Awards credit card through Chase and not the XXXX XXXX XXXX. Furthermore, I was told by the Chase representative that Chase did not offer the 12 months no interest and that interest was effective immediately at 19.24 %. 

Below is a side-by-side comparison of the XXXX XXXX credit cards, XXXX offered through Chase Bank, the other through XXXX Bank. Can you tell which one is which? How about while seeing the XXXX offering 12 months no interest first and then the one not offering any incentive during the checkout process? Why is XXXX soliciting multiple credit cards at the same time? I ca n't ever recall another store with similar practices, can you? ( Images would not load on this page XXXX The answer is pretty clear. XXXX is " Baiting '' consumers with the XXXX XXXX XXXX 's 12 months no interest and " Switching '' the credit card sign-up page to XXXX Rewards, with no benefits and high interest rates. It 's inconceivable that XXXX, Chase Bank, and XXXX Bank have partnered up to blatantly defraud customers. 

The resolution that I am seeking is to receive the terms that I signed up for, or would have, if XXXX had n't switched the offer. 12 months no interest and credit of the interest that I 've already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 can not believe that you did a proper investigation of these accounts, before, during or after you sent my account information anywhere else. You should have found these obvious inaccuracies on my credit report. A credit account can not be both open and closed. Tell me how this is and why you continue to damage my credit with these obvious oversights? After my request for a line by line investigation of the accounts listed below you still did not make note of the inaccuracies, which is a violation of my federally protected rights. These accounts are inaccurate and must be deleted : XXXX XXXX XXXX Account # XXXX was deleted from my Transunion and XXXX credit reports, and XXXX XXXX XXXX Account XXXX XXXX was deleted from my Transunion credit report XXXX These inaccuracies on my credit reports is very damaging to my credit, and I need it corrected asap. In Accordance With ( XXXX ) 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated Reinvestigation System ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX the Fair Credit Reporting Act, these accounts are in violation of 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 : States a consumer reporting agency can not furnish an account without my written instructions. I gave neither one of these companies written permission to furnish my account information.

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 2022-07-26
Company: Millco Management
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A company that have appeared on my credit repot by the name of AMERIFINANCIAL SOLUTIO XX/XX/2022 In the Amount of {$1100.00}. I am lead to believe there real name is American financial solutions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX, a federally protected consumer, and beneficiary. I am making this complaint against CITIBANK N.A. for committing identity theft. I have never given CITIBANK N.A. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe, in interest of the estate titled, XXXX XXXX XXXX. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any documentation requesting validation from CITIBANK N.A. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CITIBANK N.A. can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

According to what Ive been told, after the banking crisis banks were required to do certain things, make certain allotments to the public, and to cease and desist doing certain things regarding consumer credit transactions. I know I dont have to run it down to you verbatim what the laws say. You may glean my line of reasoning and assessment from Clearfield Trust Co. V. United States , S.Ct. ( *Hist. ) and other similar authority dealing with corporate demands against individuals rooted in alleged debt arising on promises, pledges, guarantees, and contract/agreements. See Truth in Lending and FDCPA. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CITIBANK N.A. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CITIBANK N.A. continues its collection efforts, I will file for litigation for actual damages caused and CITIBANK N.A. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2023-04-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i HAVE CALLED EQUIFAX ALMOST 100 TIMES TO BE ABLE TO GET MY CREDIT SCORE ON EQUIFAX.COM I NEVER CAN. I ALWAYS GET AN BLNK ERROR OR A NH ERROR I'VE OPENED MANY CASES. SO FAR, CASE XXXX XXXX XXXX XXXX XXXX WAS OPENED AND NO ONE EVER CALLS ME BACK. EVER. NOTHING EVER IS DONE AT THIS COMPANY. I'M READY TO PURSUE LEGAL ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: KS
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 acc
ount without my written instructions

Company response to consumer: Closed with explanation