BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
first was my account was false about me having late payment history on my secure card with citi, so after citi received my filed claimed, my other card with citi Bank which was a unsecure credit card with an amount of {$3500.00} limit was lowered to {$900.00} for no given reason when i contact Citi card bank they said they can do this if they want at any time so now they have closed my unsecured account for no reason, so now I want to filed a complaint for unjustified and retaliation because of my previous complaint filed with CFBP, PS I have never been late on this 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 2019-12-30
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
YEARS AGO MY CREDIT WAS STOLEN. I PUT A FREEZE ON MY ACCOUNT. I JUST TRIED TO GO TO A CAR DEALERSHIP TO BUY A NEW CAR AND THEY COULD NOT ACCESS MY CREDIT. EXPERIAN WOULD NOT LET ME UPDATE MY PHONE NUMBER, AND THEY DIRECTED ME TO THEIR WEBSITE, WHICH DID NOT WORK AND I WAS LEFT WITH NO CAR. THEY TOLD ME I HAD TO MAIL DOCUMENTS TO THEM, WHICH WOULD HAVE TAKEN WEEKS. 
THEY ONLY CONNECTED ME TO PEOPLE WHO SPOKE VERY BROKEN ENGLISH AND I COULD NOT UNDERSTAND WHAT THEY WERE ASKING. 

I FINALLY GOT THEM TO REMOVE THE CREDIT FREEZE AFTER TWO WEEKS OF CALLING.

I NEVER WANT TO DO BUSINESS WITH THEM AGAIN BUT FEEL FORCED BECAUSE THEY ARE THE ONLY ONE.. THEIR WEBSITE UPLOAD IS USELESS AND MADE ME WANT TO PULL MY HAIR OUT.

VERY DISAPPOINTING

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 2017-09-13
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX is harrassing and placing false information on my credit report after numerous attempts to get this matter resolved. Statuses of limitation shows they can only legally sue within 7 years of delinquency. They are reporting incorrect information such as dates and revolving amounts which are hurting my chances of purchasing a home. The predatory rates for a military affiliate are killing my chances of living an American dream and killing my future. This company refuses to be compliant and work with an XXXX individual. This company refuses to validate the debt and send documents requested. I have the right to request verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with Basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also like a copy of the Tax Registration Certificate! The company refuses and they are rude and biligerent when you are trying to communicate.

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 2021-05-09
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi priority account with {$700.00} welcome bonus on XX/XX/XXXX. XXXX. All the requirements were meet by XX/XX/XXXX. It has been about 60 days since both requirements were meet, however, the bonus has not been posted yet. Please ask Citi to honor the offer and post the credit as soon as possible. 

Here are more details. The requirement to earn {$700.00} bonus is to keep deposit $ XXXX within first 30 days of opening the account and maintain a minimum balance of $ XXXX for 60 days. My accounts have more than $ XXXX balance since XX/XX/XXXX. So, this requirement is fulfilled by XX/XX/XXXX. Please ask Citi to post {$700.00} credit as advertised.

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 2018-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One Platinum Due Date : XX/XX/XXXX Payment attempted XX/XX/XXXX via phone app.approx XXXX EST Informed payment would not post until XX/XX/XXXX because it was XXXX EST Capital One Customer Service called XXXX ( phone record ) but reached no one until XXXX Informed that " late fee '' would be incurred because it was after XXXX EST even though statement states as well as computer generated phone inquiry states due date as " XX/XX/XXXX '' without mention of ANY cutoff time.

Was informed that I could call back today re : late fee and ask about it being waived which I did. Was informed that a credit of {$25.00} would be returned to my card in 3-5 business days.

Capitol One representative could not confirm or deny if regardless of waiver, credit reporting agencies would be alerted.

Very upset by this as all consumers should be. The payment time should not be at the convenience of the company who is using an arbitrary number " within that same day '' as but one more way to collect a fee for revenue purposes. If the statement says a particular date, the consumer needs the assurance that as long as their payment obligation IS made and posted between the hours of XXXX  and XXXX on the designated " due by date, '' no late fee should be leveled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Experian Information Solutions Inc.
State: NY
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:
Since XXXX of XXXX I 've sent several dispute letters to Experian thru certified mail and online direct dispute regarding an account that keeps changing different items that is affecting the 7 year removal date. I had 2 accounts with the same debtor that went delinquent on the same exact date and both should have the same removal date. Both accounts were removed by XXXX XXXX XXXX due to the 7 year date, and I sent the information from XXXX along with a follow suit letter showing the correct information and prove of deletion with no resolve. Experian has the same accounts with one having a removal date of XXXX XXXX and the other having a removal date that has changed several times and the latest date of removal now states XXXX XXXX. This date along with the first reported date changes every time i dispute and ask for the information experian received to validated and verify the dates and information. Till this day I have not received any of the information I have requested and that I 'm entitled to from experian regarding this account except a pre-generated generic letter saying the information has been updated. This account should have the same exact dates as the other account and should have the same removal date also, because as it sits today it looks like the account was just opened or reported and will be on my file for a total of 14 years. I feel as if experian is not investigating my dispute as guaranteed by the laws and rights afforded to me by CFPB and other governing bodies. The account has been and is being re-aged as my attached documents show and it 's making it very very difficult for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2019 I forwarded verification letters to the three credit bureaus. My documents included the verification letter, copies of my drivers license, my social security card and my XXXX gas bill. 
Since these are delicate documents, I had them notarized and sent them certified via US Mail. I received the green tracking receipt from XXXX and XXXX  in the mail by the XXXX and the XXXX of XXXX, respectively. I received a letter days later from Equifax stating that they needed verification of my identity. As stated above, I sent these items initially. In addition, I never received the green tracking receipt from Equifax. Who knows where my personal information is now. I need to know what happened to my personal documents. Also, I expect them to follow the legal guidelines regarding a timely response to my verification inquiry. I think this matter has been handled in a highly careless and irresponsible way. Very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 explanation
Consumer complaint received 2019-09-24
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
CREDIT ACCEPTANCE CORP {$6900.00} I was only a co-signer on this loan for my ex girlfriend. After we broke up she said shell make sure to take care of the payments and that was fine, a few months later I saw the report on my credit report saying the car was repossessed and due to natural disaster flooding. I followed up with creditors and they couldnt fine anything to update me on but that what they knew the car was in XXXX TX and because of the hurricane that happen maybe that was the cause. I asked why wasnt I called about this or missed payments and was told they was reaching out to XXXX XXXX with no response, and I asked why wasnt I reached out about this before hand they couldnt tell me. I explained to them I was only the co-signer on the car and had never driven the car and I also didnt know it was in XXXX TX when at the time when I sign for the car it was in New Jersey and I had no knowledge of the car leaving the state and I shouldnt be reliable to this. They still couldnt tell me what happen to the car but on my report it was listed as a repo and cause natural disaster so I assumed the car was damaged in the hurricane and they are trying to collect money and also I was not contacted about this and had no knowledge of this until I saw my credit report. I tried reaching out to her and no answer and have no ways of reaching her.

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 2023-01-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Goal Structured Solutions, LLC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Towards the end of 2022 I got a notification that my loan servicer, launch servicing LLC would be acquired by ascent. I had no mind of it until I saw my credit report and the account that I originally had taken out with launch had doubled into now 2 separate accounts. Now I have a {$17000.00} debt that is falsely under my name. I've contacted launch servicing, now Ascent, to change remove this and they told me that the credit bureaus will need to remove it, the credit bureau told me they need a letter from ascent. I've contacted ascent twice on this matter and they refuse to write me a letter stating their own incorrect information on my personal account and finances that is now effecting my life. Launch/Ascent has refused to provide any documentation, but has admitted to this falsehood on my account and credit. This has caused my credit score to lower, my debt being ~50 % higher then it should be, and refinancing and purchasing opportunities have become extremely difficult. Please help, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I initiated two fraudulent complains on my checking account from Chase. One was on XX/XX/XXXX for XXXX transactions totaling {$420.00} approximately and the other was on XX/XX/XXXX for {$500.00}. I did not authorize my account to be debited for these amounts and Chase will not issue me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/2023 we tried to cash our Ohio state tax refund check at PNC Bank in XXXX Oh. on XXXX XXXX XXXX XXXX XXXX. We each had our drivers licenses and we have an account with them were told we needed other XXXXXXXX. We refused to give them any other XXXX. We were in the drive through and they had a video teller. 
we called the bank manager and told them the situation and they said they had no way of knowing who we were. I told her I didn't know who I was speaking to on the video camera. She said if I used a live teller there would be no problem. We have used this bank for decades and never had a problem cashing checks until the video teller. For all we know somebody could have hacked that video caller and then they would have all our information. The manager said that's their policy. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company XXXX XXXX XXXX is using some real shady tactics here, let me tell you. I found out about this debt from my credit report. I was never ever informed on this debt, I have n't needed XXXX XXXX since I left a fixer upper home in XX/XX/XXXX. Somehow the new tenants got the power back on in my name, probably because bills were still coming there for power.I have contacted XXXX and they will do zero to fix this, said to call the cops. I did and they said it was 7 years ago so they cant do anything. This was put on my report as current, and went delinquent in XX/XX/XXXX. Which in fact is false. It went delinquent in XX/XX/XXXX. I disputed this charge, said the balance history was incorrect. They updated and said it is not. It is not fair that these companies can out and out lie when you dispute things. If this is not fixed or deleted I will be contacting a lawyer for damages. a XX/XX/XXXX delinquency hurts my credit FAR MORE then the correct age of XX/XX/XXXX. This is not fair to the consumer and they should be fined!!!!! I have called them even to notify them of their error and they refuse to fix this. The below Bill shows my last payment was XX/XX/XXXX and they said it was partial. Acct was put delinquent XX/XX/XXXX Power was Shut off and 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 explanation
Consumer complaint received 2018-12-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scammed by a company that was posing as a financial Institution. This company in which I found later that they was not actually XXXX XXXX. This company was able to get into Chase 's system and I was not notified as data breach ( 1 ) the so called financial institution was able to go into my account and make it seems like there was reversals to make a credit a couple of times on XX/XX/2018. I walked into Chase Bank in XXXX XXXX on XXXX and XXXX and told them what was happening and sat down with a banker and as I was sitting with him the scammers called and I put it on loud speaker so the banker can here. The Banker did nothing nor did he called the fraud department or the authorities ( 2 ) leaving my account vulnerable. Went to Nevada and spoke with another banker at Chase on XXXX  and XXXX, she went through my account and said it will be a lot of work and told me that I will have to make a appointment ( 3 ) Went to another bank where the banker opened me another account but did not close the other. Chase finally restricted my account and will close both in 10 days leaving me still vulnerable. As a consumer I was not protected by this financial Institution ( Chase ) They had a data breach and did not let there consumers know ( against law ) and I am being punished by their mishap They left me out there to be hacked, my account and personal information. After receiving threatening text and phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Chime Financial Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Saturday XX/XX/XXXX I reached out a an instagram seller whose XXXX name is XXXX. This individual had advertised some purses, XXXX boots, XXXX  etc. I chatted with her for awhile before coming to the conclusion that I wanted to order a pink XXXX XXXXurse and some denim XXXX. She stated she took XXXX as payment however when I tried to XXXX  her I was given an error message. Mind you I don't use XXXX. But I created the account to satisfy the business. When I messaged her and told her that XXXX was giving me an error messsage, along with a scrren shot of the message, She sent me a chime acct to send the funds to. So I asked and said I thought you only had zelle? Her response was I dont use chime. Its because I see you have chime so I ask my sister to accept the funds for me. I was directed to chime the funds ( {$210.00} ) to XXXX and an email address of XXXX. Upon sending the funds, I was told that my items would be shipped on Monday. I reached out again via instant message on XXXX and asked if my items were shipped. I got no reply. I waited a few hours and messaged again. Her response was that she had me mixed up with someone else from my friends list who ordered but she was leaving her moms house and would send me all the tracking info and that she shipped it already. So my next question was how did you ship anything? You do not have my address as I never gave it to you. I messaged her again on XXXX @ XXXX and asked for the tracking information and at that point she deleted the page. I contacted Chime on XX/XX/XXXX and explained the situation and was told there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: EQUIFAX, 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:
XXXX  XXXX XXXX  ACCT XXXX {$1000.00} is reported as a Charge Off. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency who then continues to report erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Somebody opened up an account under my name with my bank and transferred my savings which came out to {$85000.00} onto their 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 monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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

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