BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
Company: CITIBANK, N.A.
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Was attracted to Citi 's promotional credit card deal involving 0 % APR for balance transfers and applied, was accepted, but never received a physical card in the mail. Applied in late XX/XX/2023, and called in mid-XXXX  to check on the status. It was told to me that the card was sent to the wrong address and that a new card would be sent and provided and confirmed the correct address. Since my address is in the US and is a XXXX XXXX , I was very clear on which delivery method is used as a physical address would be needed for 3rd party sends. After that long hold, multiple transfers, the same result no card. Unable to set up an online account to make payments without a 16-digit number I now have payment due and no way to get online to pay. Another call in mid-XXXX, this one 2 hours and 10 minutes just to get assistance to log on to pay. Transferred 4 times, explaining the same situation, made an online payment to ensure not late, and still have no access to an online account and was told that I would need to call in monthly payments. Is this a way to make paying harder to receive more revenue through late fees?? Shocking the lack of assistance here with no clear solution.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is to inform to the CFPB of the bad practices TransUnion has caused to my consumer credit report today. Thursday XXXX XXXX XXXX as I was reviewing my personal information on TransUnion, I have noticed my name spelled incorrectly. on my personal info also as know is showing a mis spell name by the name of XXXX XXXX XXXX I decided to call TransUnion to inform the name off XXXX XXXX XXXX which this name is in accurate. I have spoken over the phone with a representative and she mentioned that in order to change the name that appears incorrectly on my TransUnion credit report she needs to generate information from her system and since the information wasnt generated. by her policy, they can not remove the inaccurate name showing on my credit report. Even though she had verified my information over the phone she was discussing my credit report. it does not make sense for me to mail my information if she already knows the right person she's talking to. I have verified my information over the phone to TransUnion she will not remove that inaccurate name showing on my credit report. I have provided in the past my Social Security. my change of address and my California ID. TransUnion that information is on her system and if my information wasn't in her system why do I receive mailing correspondent to the address. and yes, I do have a security alert on my TransUnion as a consumer I am requesting a removal from that inaccurate information you as a creditor is to make sure that the information you furnish is accurate not 95 % but 100 %. I have provided you with the information you requested. your job is to remove my information that is inaccurate as soon as possible. is causing me problems. remove it is spelled incorrectly. and update my original address and eliminate the old address which this addressXXXX XXXX XXXX # XXXX XXXX XXXX ca XXXX does not received any correspondent mail anymore. 
thank you. 
Sincerely : XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
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:
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.

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 explanation
Consumer complaint received 2023-06-02
Company: Consumer Adjustment Company Incorporated
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Consumer Adjustment Co. contacted my work phone and a third party about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from Consumer Adjustment Co. nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$700.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The unverified items indicated below to continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX 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 2023-04-16
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Wells Fargo. 
They changed my mortgage after we closed. My loan was sold to another bank who had different qualifications for getting rid of PMI and now I am forced to continue paying PMI even though I owe less than 80 % if the total.

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 2022-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
inaccurate and unknown things on my credit report here 's the list of all the companies, XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( Auto ) XXXX XXXX, XXXX XXXX CO XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My capital one credit card was stolen and maxed out once I contacted capital one and they reimbursed all the fraudulent charges but didn't put a lock on the card or cancel it And the same person maxed the account another time and this time Capital one refused to do anything about it even though they should have deactivated the card that was being used and issued me another one but instead they closed my account with the maxed out amount owed from the person that stole the card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$62.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-15
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This is a XXXX part complaint. The first part is about being denied a small credit increase in spite of having this account for well over a decade. The second is basically a customer service complaint. 

First of all, as mentioned, I have this card a very long time, possibly as long as XXXX years. In the entire time, this bank has never increased my credit limit past {$2700.00}. I find this to be extremely frustrating never mind frankly, humiliating. I have earned what many would consider a pretty handsome salary for the last past XXXX years of my career. Since opening this card I now earn XXXX more! We had tried a few years ago for an increase and was denied and hadn't tried again since the other night. Only XXXX years ago, my credit alone was good enough for me to purchase a {$42000.00} car and I just paid off a personal loan taken out during the Pandemic, yet this bank is refusing to even give me a {$1500.00} increase! Nothing bad has happened with my credit since then. I may not have the highest score but I certainly don't have bad credit by any means. 

this bank is arrogant and strict in many ways from there registering for online services, to their sign in process and especially their ridiculous automatic phone system. Their website is awful to navigate and their phone system is even worse. My wife who is an authorized user on the account just attempted to call in the other night to speak with an agent. She literally was worn out by the time she got someone on the phone and extremely angry. Only the most dogged, persistent individual would be patient enough to navigate through the automatic system to get to an agent. They make this extremely intricate, no doubt to discourage a customer from reaching a live agent. She said she has never seen anything like this and she is very experienced in handling every aspect of our personal finances. She refused to call back again although we needed additional help in making a payment and getting it through promptly. It was extremely difficult to locate the location on their website to request an increase in credit limit and the agent who she did speak with told her she couldn't send instructions to us unless she spoke with me. What? They can't send instructions? Are they kidding me? My wife did locate it, finally, with much difficulty to request the increase I discussed above. Who do they think they are with all this red tape for customers? It is the absolute worst.

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 2023-11-23
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
It is a Barclays card, through XXXX XXXX. I never received a card or a bill before I just started getting emails that I was late on a payment. I called and spoke to them. Told them I never got a card. They waived all late fees, and I paid the account in full. Still no card or a bill, and now theyre emailing that I owe for over {$140.00} on an account originally for approximately that amount. When I called them and informed them I a paid it in full, they had no right to charge late fees, they said theyre charging interest and Late fees on the late fees. This is capitalizing interest and unlawfully charging late fees on an account I paid in full. I want the all fees and interest charged off and the account closed. The last XXXX on the account number are XXXX, this is all I ever got from them is an email. The link to pay goes to https : XXXX XXXXXXXX It is Barclays card services on behalf of XXXX XXXX. 

My email is 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 2023-04-17
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The listed number XXXX. Is pretending to be a cash payment app VENMO. trying to get log in codes from people to scam them out of money. Needs investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX  synchrony bank closed my account. I did have some adverse things going on due to covid 19. but when I logged into my account I discovered that my account was closed.They claimed my score was at XXXX on XX/XX/20 when in fact it was XXXX. I decided to pay off my card on XX/XX/XXXX so they would not make another penny of  interest on me.I also was paying my bill on time even with the covid 19 pandemic to no avail. Not right for synchrony bank to do this.

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 2023-07-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-04-11
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: Reporting company used your report improperly

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  has violated my rights . Or 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 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 explanation
Consumer complaint received 2021-03-30
Company: Stenger & Stenger, P.C
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am a XXXX year old woman with XXXX XXXX XXXX. My only source of income is Social Security which is protected by federal law from being garnished. Stenger has previously been informed of my circumstances. 
On XX/XX/2021 XXXX filed a Summons & Complaint. On XX/XX/2021 an unknown white male showed up at my door. Being a single XXXX year old woman, I do not answer my door to unknown. In the process of banging on my door unknown male maliciously destroyed my doorbell. I believe this is Stenger 's way of trying to intimidate seniors. I knew at a later date that this is the process server Stenger hired because I found his notice blowing around in my yard when picking up trash. I have filed a complaint with the police and will be seeking reimbursement of the cost incurred in obtaining and installing a new doorbell. 
Also, I am drafting a grievance against Stenger with the Michigan State Bar. 
From my research on Stenger they are known to be very shady. I am watching out so they do not try to enter a Default Judgment. They are " bottom feeders ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX account number XXXX XXXX XXXX XXXX credit reporting on the credit reporting bureas , XXXX XXXX XXXX and Equifax are showing a late payment for XX/XX/2023 and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. I spoke with XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

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