BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: TX
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 know hard inquiries on my credit report without my authorization. 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 XXXXXX/XX/XXXX Some inquiries on on my report twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
on XX/XX/21 I was scammed into using my American Express card to purchase a XXXX  Gift card for {$500.00} at a XXXX drug store. I already spoke to American Express and they suggested I contact you to report fraud. the drug store already put through the transaction and my card was charged for the {$500.00} charge. I wish to have this charge removed as it was fraud. a man named XXXX, said he was from American Express fraud section said that the XXXX put in a preauthorized request for {$2000.00} at XXXX XXXX  on the XXXX and that I confirmed the request via my cell phone. I never got any request. 

He told me the card was for security reasons to negate the {$2000.00} request. 
The original fraudulent activity was from XXXX. I spoke to a XXXX at ext XXXX phone number XXXX ID number XXXX case number XXXX. XXXX XXXX me to the American Express number and it turns out to be fraud. just in the past 2 minutes I got a call from the XXXX XXXX person suppose to be from XXXX XXXX. I told him I was reporting this to the government right now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: BARCLAYS BANK DELAWARE
State: MA
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:
Here is the letter I sent to Barclays regarding this problem : Ever since I signed up for the AAdvantage Aviator credit card in XX/XX/, its been nothing but a nightmare. 

I have never received an online invoice from Barclays for my account ending in XXXX, which has resulted in numerous and costly late fees. 

Recently I received a letter from Barclays indicating both my credit line and my credit score had been reduced due to late payments. 

When I called Barclays to investigate this problem, I was told that I had a XXXX ( {$0.00} ) balance at the end of XXXX XXXX but that there was a subsequent {$10.00} purchase on XX/XX/. The charge appears to be from XXXX XXXX with no indication of what it was for. I do not recognize this charge nor has Barclays been able to identify what it was for. 

Because I never received an invoice from you, I was not aware of this charge for a purchase I never made and believed there was no outstanding balance on the account. Unbeknownst to me, my account began accumulating substantial late fees that now total {$72.00}. Without this charge the account wouldnt incurred no late charges, interest or fees. I have placed this charge in dispute ( see below ). 

Last week, my husband XXXX XXXX made several attempts to rectify this situation by phone. With my authorization, he first spoke with an agent who understood the issue but lacked authorization to correct the problem. This agent scheduled a call back from a manager who would have the proper permission. The manager left a message. 

When my husband returned the call, he spoke agent ID # XXXX and was told that he was no longer authorized ( despite this being the same day as he was authorized ) to discuss the issue so she wouldnt speak to him. 

On my husbands third attempt, he spoke agent ID # LASMCK who said she was authorized to speak to him but refused to do anything about the situation. Consequently, my husband formally put the {$10.00} charge in dispute. Despite that, the letter I received indicates that this charge still hasnt been put into dispute. 

I expect Barclays to remedy this situation by : 1. Removing the disputed {$10.00} charge from my account. 
2. Canceling any and all late fees and interest. Without this charge the account had and would still have a {$0.00} balance. Late fees and interest are inappropriate. 
3. Refunding the annual fee of {$99.00} given the excessive amount of time I have spent dealing with this problem. 
4. Notifying XXXX XXXX and any other credit bureaus of the error so my credit score is restored. 
5. Sending me a formal letter saying that the account is not in arrears and never has been. 
6. Canceling my account immediately.

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 2021-11-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I opened a checking and a savings account on XX/XX/2021 with XXXX XXXX online depositing {XXXX0} in each account. About a week later I received a XXXX XXXX credit card which I did not apply for. I did activate the card but recalled the incident with XXXX XXXX who did the same thing. 
I used the card and make all my payments on time paying more than the minimum every time. On XX/XX/2021, I make a payment of about {$XXXX about XXXX  days letter I received an email stating that my payment was not excepted and my card was being cancelled. When I finally spoke to a rep he said the company felt I was doing something unsaviory so my account was closed. I also ask him why his company would send me a card I did not apply for and take it away and my payment wasn't a day late it actually was XXXX days early. He got defensive and ask was I saying someone stole my identity and I assured him that wasn't the case and that I have every intention to clear my account. 
I know now that this process is illegal due to Federal Case XXXX Also I went to XXXX XXXX and on XXXX XXXX I went to a time share meeting with XXXX resorts. It was normal, high pressure sales presentation which my fiance and I were already antisipating. We knew they would put a hard inquiry on my credit so I signed up alone. Then a week ago I received a denial letter for a XXXX credit card that I NEVER APPLIED FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All ( 3 ) credit bureaus have been reporting inaccurate information when reporting. I tried to apply for several rental properties and was denied because the credit bureaus was reporting to company, that they could not verify who I was, I had no credit history, or had fraud alerts on my account. I believe that they had a fraud alert on my report for well over 7 yrs, and just now founding out about it in 2023. I was not the one to put the alert on there. I would get letters stating that my information my have been obtained by hackers and the bureaus were monitoring. When applying for apartment rentals, I would submit necessary identification, and would get denied based off not enough credit history. Equifax score is over 600. They would deny it when I would contact them, even I would see copy of the report from the company stating other wise. This would also happen when applying for credit cards so I can try and build my credit, which would cause me to get denied as well. They have me listed as high risk. Their reporting bills that are paid off listed as unsatisfactory, old bills from over 10 yrs ago, are still being reported. I have also disputed accounts, and requested to have them removed, and that has been over 60 days and have not happened yet. I have my bank linked to my bill payments and they have not been updating my credit score even with that, especially XXXX I dont know why they are reporting that I have no credit score when I do. See attached documents. I have a bunch of hard inquiries on my report, and I place the blame solely on the credit bureaus due to the negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I submitted an application with capital one for a savor one card. I already went through a pre approval online through capital one and was told I was approved. When i submitted my application I was denied. I was shocked I have XXXX credit, low balances less than 10 % used, great credit history, always pay my bills, and a business owner. I received a email for the reason why and it was an adverse decision was to many active credit cards. 
Under there reasons of why I would get an adverse decision that wasnt listed. I called customer service because I feel it was a mistake. I got escalated to a supervisor and explained the situation and it doesnt make sense. She told me they can not do anything about it.. she didnt bother looking into it. I asked her Was vindictive because i cancelled a capital one credit card or discriminative?? She laughed and said have a good day and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRUIST FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX had XXXX issues, before my husband knew this he tried to send me {$400.00} via his bank WE financial. 

I received an email from XXXX that the deposit never made it to me and to have my husband re-send the transaction. 

However the {$400.00} left my husbands WE account, and never made it to my XXXX account and he has yet to have the funds return to his WE account. 

Weve called both banks after waiting to see if money will return to his account automatically and been getting nothing but the run around starting XXXX WE told him XXXX has the money and for me to call my bank. Called my bank they said no WE has the money. 

XX/XX/XXXX called both banks again. This time WE advise my husband he needed to wait 14 business days from XXXX and the money will be back. 

XX/XX/XXXX still no money so he went to WE branch. WE tells him, XXXX is supposed to give the money back that was the agreement between XXXX and other banks for the XXXX incident. 

XX/XX/XXXX we go to XXXX branch, they advise no, all my husband needs to do is file a dispute with WE cause WE has the money. We immediately left XXXX and drove to WE, what did WE say. XXXX has the money, they are aware and that all we can do is sit and wait for it to come back to us. 

This is getting beyond ridiculous all we want is the {$400.00} returned to his account.

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 2023-02-27
Company: REGIONS FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed on a phone call dated XXXX/XXXX/XXXX, I wired over $ XXXX to someone posing as XXXX XXXX. I am usually very diligent regarding scams ; however, this scammer called me from the XXXXXXXX XXXX customer service number ; therefore, I thought it was legitimate. 
I immediately reported it to XXXX XXXX 20-minutes after on XXXX/XXXXXXXX, and they did not notify the bank where my funds were transferred until the next day. XXXX tried to recall my money from Regions Bank ( Alabama ) the following day and continued to try for 28-days. However, Regions Bank will not respond to any of XXXX XXXX inquiries and XXXX XXXX  has now closed my investigation. I need help, I can not pay my bills as this was my life 's savings. 
I have attached my XXXX XXXX statement for the affected account, this account has since been closed by XXXXXXXX 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 2023-01-30
Company: Experian Information Solutions Inc.
State: FL
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 credit reporting at the list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681. 

I have never lived at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received a bill Or information concerning this account. 
Ive updated my address with the credit bureaus in XX/XX/2022. 

15 USC 1681 section 6028. States I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not flourish an account without my written instructions.

15 USC 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 confections of crimes, which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a customer to any consumer reporting agency, if the person knows or has a 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 explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My credit score has dropped almost XXXX points over a XXXX month period. I am planning to purchase a car so the dealership checked my credit. Nothing bad about it but the credit score keepers decided my score needed to take a hit. I paid off my credit card and my score dropped XXXX points. These companies are ridiculous, corrupt and should not be allowed to constantly manipulate scores. They are also allowed to keep old information for years on record that keeps scores low. If you have no debt your score is decreased. 

My credit score is probably going to drop because I complain about them When is this corruption going to end?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a Chase Amazon credit card. On XX/XX/XXXX a merchant placed a charge on my account for an off-road vehicle rental reservation for {$420.00}. A few days later, I requested a cancellation and the merchant refunded the same amount to the credit card on XX/XX/XXXX. On XX/XX/XXXX a charge was placed for the rental of a XXXX in the amount of {$500.00}. On XX/XX/XXXX the merchant refunded {$150.00} which was a contingency deposit that had been included in the {$500.00} charge. Chase seems to have applied the refunds to equal pay promotions in my account that were not due until several moths lates. The payments on the equal pay promotions were up-to-date. The refunds should have been applied to the statement balance, since my balance now shows the full amount of the transactions as due for payment. 
In addition, Chase created an equal pay promotion for an item that is being included in the statement for full payment. It includes a item that was returned. 
I first contacted Chase on XX/XX/XXXX and opened a case with a supervisor. Since then, I contacted Amazon and Chase on several occasions. A letter arrived in the mail on XX/XX/XXXX stating that Case did not make an error and cites guidelines they follow when additional payments are made to the account. Since these were refunds and not additional payments, they were incorrectly applied to promotional offers, in violation of a finance agreement I had with Amazon and Chase. The equal pay promotion that was incorrectly created has not been addressed. 
Amazon was contacted yesterday. They claim it was Chase who is responsible for both issues. A complaint ( negative feedback ) was created with Amazon. I have all documentation in my possession and available if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card through XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX. I used a debt consolidation loan from CitiFinancial to pay it off in XX/XX/XXXX. Now years later my paycheck and bank account are being garnished and XXXX XXXX states they never received payment. The debt was sold to a debt collector about 2 years after the consolidation loan was taken out to pay it off. All other debts that were paid using the loan are paid, this is the only one that was not. We have paperwork from our loan that says that money was sent to XXXX XXXX XXXX. If it was not sent as the loan says then Citifinancial breached the contract. When we called to get copies of the paperwork they were unable to provide copies of the checks or account numbers associated, though we brought in our statements and they wrote the checks from those. They stated that since it was over 7 years ago they no longer have check copies and can not provide me with any proof that they were ever sent. We were never in possession of the checks and CitiFinancial dispersed all funds themselves. My bank account is wiped clean at least once a year for the past 7-8 years and my paychecks are being garnished for around {$400.00} each month for a debt that we took all steps to pay in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXXXXXX, 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 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 2021-11-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I applied this week for a no fee credit card with Amex. I have a screen shot of my acceptance for that card. Instead of that card, they sent me a XXXX card, which costs {$500.00} a year. I called, and they asked if they should cancel. I said yes. But now my credit score has been hurt because of both the application and the cancellation. I tried to get a supervisor on my call, but they just transferred me to another sales rep. I then again asked for a supervisor, but was just put on hold. After one hour, I had to go to an appointment. This has not been resolved.

Company response to consumer: Closed with explanation