BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Credit card payment of {$29.00} is XXXX month late due to unexpected financial congestion. Citi is harassing me with several phone calls a day - often in the early morning or late evening. Called and they refuse to postpone my payment the few weeks I need. The associate I spoke to in their hardship department says that they do not post pone payments.

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 2019-02-23
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
In XX/XX/2018 I sent letters to XXXX, XXXX, Experian and XXXX XXXX  asking for proper verification of a two bankruptcies that on my credit reports. None these companies were unable to provide direct verification from the bankruptcy court of XXXX Ohio. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. In fact XXXX  states on it dispute reports that they use XXXX which is a third party to verify this information. Outside of getting dispute results reports back none of these companies have sent me how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional 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 2022-06-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX  
                                                  
                                                  

                                                   EXPERIAN XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
                                                TO WHOM IT MAY CONCERN.
THIS ACCOUNT LISTED BELOW IS A COMPLETE VIOLATION OF THE NO SURPRISES ACT, DELETE THE LISTED ACCOUNT(S) IMMEDIATELY FROM MY CONSUMER REPORTS.

XXXX XXXX XXXX  ACCT# XXXX XXXX XXXX XXXX  ACCT# XXXX XXXX XXXX XXXX ACCT# XXXX XXXX XXXX XXXX ACCT# XXXX XXXX XXXX XXXX ACCT# 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 2019-02-23
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Contacted PayPal Credit customer service to inquire about fraudulent/unauthorized purchases XX/XX/XXXX Received letter from PayPal credit acknowledging claims XX/XX/XXXX Submitted affadavit of fraud via mail XX/XX/XXXX-XX/XX/XXXX Attempted to contact customer service again XX/XX/XXXX Spoke with customer service to inquire about status XX/XX/XXXX Submitted follow-up letter with Affadavit of Residence XX/XX/XXXX Received letter from PayPal Credit requesing copy of driver 's license XX/XX/XXXX Submitted a copy of my drivers license as requested XX/XX/XXXX Received letter from PayPal Credit again requesting copy of driver 's license XX/XX/XXXX Submitted another copy of my drivers license as requested XX/XX/XXXX Received detailed documentation from PayPal Credit about the disputed charges XX/XX/XXXX Contacted customer security operations to inquire about status of complaint XX/XX/XXXX Contacted XXXX County Police to file report XX/XX/XXXX XXXX County police contact PalPal Credit to let them know report had been filed XX/XX/XXXX Contacted customer security operations to inquire about status of complaint. 
Was told that I would have to send them a copy of police report. 
Was originally told by XXXX County Poolice that PayPal Credit would have to request it. 
Sent an e-mail to XXXX County Police requesting report under FOIA.

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 2019-02-23
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
There is a couple of items thats showing up that I am unaware about

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 2023-07-28
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:
I have no knowledge of doing business with any of these creditors below. Please remove it from my credit report. 

Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX on XX/XX/2022 XXXX from XXXX XXXX  on XX/XX/2022

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 2023-07-28
Company: Experian Information Solutions Inc.
State: DC
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been victim of identity theft, I have disputed with XXXX multiple times to remove accounts that were not opened by me. The following accounts still show in my report and are not removed XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX. I do not understand what more information I need to provide for them to close the accounts mentioned 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 explanation
Consumer complaint received 2023-03-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or the list of inquiries : 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 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 or 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. 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 has 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 2023-08-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX th my account had a negative balance causing an overdraft fee. Instead of my bank declining further automated charges they allowed them to process sending my account into a lower negative balance. A total of three charges were allowed to clear although I didnt have the funds available in my account. Chase then turned around and charged me an overdraft fee of {$34.00} each for all three of those charges. Mind you two of the charges were lower than the fee itself as one charge was {$16.00} and the other was {$24.00}. My account was now in the hole over {$200.00} with most of that being overdraft fees. I cant afford that. Its ridiculous how predatory these banks are. I am currently in the process of switching to a bank that does not have overdraft fees because I cant afford being charged an overdraft fee for a charge you knew I didnt not have the funds for in the first place. Shame on you for your capitalistic strategies to take money from those who dont have it to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: MD
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:
Experian continues to show XXXX accounts on my consumer file. All information by law is suppose to be accurate. The following amounts are on my file {$1200.00}, {$690.00}, {$1700.00}, {$1500.00} and {$1300.00}. Experian has on my file the address XXXX XXXX XXXX XXXX XXXXXXXX, MDXXXX this isnt my address and has never been my address. I'm uploading my Drivers license and correspondence from 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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

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

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

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

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 has reasonable cause to believe that the information is inaccurate. 

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 then seven years.

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 2023-08-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am the primary on this card, I added my boyfriend as an auth user. We travel together. Sometimes he books and plans the trips, sometimes, I book and plan the trips. But we use the same card/account to earn the rewards. We both downloaded the app to better serve our booking needs. I noticed in XXXX that not only were we missing rewards points and credit for nights stayed in a hotel, but also, my total points and his were different. So I called on XX/XX/XXXX and spoke with someone about this. I provided confirmation numbers and dates for hotels that were missing. One hotel named, XXXX, is still in the transitioning phase, so she assured me that the rewards would be added once the hotel has completely switched over. After that call, I waited. On XX/XX/XXXX I opened a chat box with the card reward center to ask about the difference of reward points on his app versus mine and also about the XXXX stays. He again asked for all the confirmations etc, so I sent them again. He then explained that even though we have one account, and one bill, that we have separate rewards. So anything that he books or slides his card for, goes to a reward account under him, and the same for me. I explained to the gentleman that is not good practice, and its only one account, so the points earned and nights stayed should be merged. He said its impossible. So i ended the chat, and decided to call and speak to a live person. I then called in and spoke with a woman, went over everything again, she said the same, and said i should only use one of our cards moving forward, and that i can transfer his rewards to my account for a fee, but any credit for " nights stayed '' would be lost. After 20 nights stayed, you get a status upgrade. This is not acceptable, as its ONE account, anything we earn should accumulate together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented an apartment from XXXX XXXX XXXX in XXXX. Upon moving out in XX/XX/XXXX, XXXX XXXX refunded my security deposit and confirmed there was no balance on my account. 

In XXXX, XXXX XXXX XXXX falsely made up charges on my account and never attempted to contact or notify me of these false charges. 

Fair Collections & Outsourcing contacted me circa XX/XX/XXXX and indicated that they were engaged to collect this alleged debt on behalf of XXXX XXXX XXXX. Throughout XXXX & XX/XX/XXXX, I had multiple conversations and correspondence with Fair Collections and XXXX XXXX explaining that this was a false debt ( either a mistake or nefarious action by XXXX XXXX XXXX ). In conversations, representatives from both Fair Collections and XXXX XXXX agreed to the facts and circumstances of this case and that this was a false debt. 

Despite this, Fair Collections and XXXX XXXX continue to attempt to collect on this false debt. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), as it is a false representation of the character, amount, or legal status of any debt.

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 2022-01-03
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please be advised after careful review of my consumer report I have+ come across the following items on my report. 

XXXX XXXXXXXX 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  There are multiple inaccuracies regarding the reporting of the said alleged debt. 
This account is currently reported as charged-off. 
This account exceeds the XXXX dollar threshold, I was never sent a 1099c which this account qualifies as realized income. Furthermore with this account now being considered income this account no longer falls within the guidelines on the FCRA as debt and now must be removed from all credit reports in compliance with 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Delete these accounts IMMEDIATELY Failure to respond satisfactorily with the above accounts deleted from these referenced accounts and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n Signed XXXX XXXX enclosed is a copy of my ID and proof of address

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 2023-01-06
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

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, 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. 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am writing this letter to express my deep dissatisfaction with a recent issue involving my Macy 's American Express Card account. I discovered that I was charged {$970.00} in interest, despite having paid off the outstanding amount, The situation arose due to a payment scheduling problem, which led to this signific financial disaster caused by interest charges. 

I believe it is essential to highlight that I had scheduled the payment to be made through my bank account well in advance, in an effort to be proactive and timely. Money was sitting in the account waiting to be dispersed on the appropriate date. Somehow something went wrong. I am not quite sure what happened. 

Given these circumstances, I am disheartened that an error in the payment date has resulted in such a substantial interest charge. As a loyal customer of Macy 's American Express Card, I believe that this situation is unjust and unwarranted. I have always been diligent in making my payments on time. 

I spoke with XXXX XXXX XXXX ) regarding this matter. However, I was disappointed to learn that she was unwilling to connect me with her supervisor or manager to further discuss the situation and explore potential solutions. It is my belief that open communication and escalation are vital in situations where customers are facing financial burdens due to errors unknown to them. 

I kindly request the following actions to be taken : Adjustment of Interest Charges : I urge you to review my account and acknowledge that my payment was posted on an incorrect date in error, with the intention of it being made on the correct date. I kindly request that the {$970.00} in interest charges be reversed. I should not be held financially responsible for an error caused by a date discrepancy. 

I believe that Macy 's American Express Card values its customers and their loyalty. I trust that your organization will understand the significance of this issue and will take appropriate steps to rectify the situation in a fair and equitable manner. 

Thank you for your immediate attention to this matter, and I look forward to a swift resolution.

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 2023-01-28
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation