BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: CITIBANK, N.A.
State: HI
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:
In XXXX of XXXX I moved to Hawaii where I live and work full time. I have made no trips outside of the state since I moved here. In the spring of XXXX someone in North Carolina fraudulently opened a citicard credit card account in my name. I became aware when I was notified of the card being locked via a text message, which I at the time assumed was spam and ignored. Months later I was notified by my credit reporting that there was an overdue account in my name and at this point I realized what had happened and called citicard to report the fraud. I received no contact back for a year and assumed it had been resolved until I received another warning from my credit reporting. I contacted citicard and learned that my claim had been rejected, though they had never discussed the case details with me. I appealed their decision and was able to speak with an investigator on the phone and provide documents to show that I lived in Hawaii at the time the account was opened and the charges were made in North Carolina. This time I was mailed a letter saying my claim had been rejected on the basis that the credit card had been mailed to my address ( which it hadn't ). Even if that was true, clearly it was used fraudulently ( ie not by me ) as I was in HI when the charges were made in NC.

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 2019-04-17
Company: JPMORGAN CHASE & CO.
State: IA
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:
This complaint is against Chase Credit Cards, a part of J.P. Morgan Chase Bank, N.A., doing business as Chase Bank. 

As a Chase Sapphire Preferred credit card customer, I was subjected to a fraudulent charge of {$290.00} from merchant XXXX XXXX XXXX XXXX based in XXXX XXXX, XXXX, XXXX. Listed transaction date was XX/XX/2019 and transaction posted date was XX/XX/2019. Transaction reference number is XXXX. 

I filed a dispute for the full amount of {$290.00} on XX/XX/2019. Case number is XXXX. Somehow and without any sound reasoning, Chase opened a duplicate dispute for the same transaction and assigned in case number XXXX dated XX/XX/2019. 

The original dispute stems from the fact that the merchant charged me twice for the same car rental, or they forged a second car rental contract and charged it to my Chase credit card, which was provided to them for incidentals only. 

The original car rental reservation was prepaid by a different ( non-Chase ) credit card. Chase was provided documented evidence ( receipt and reservation confirmation ) of that rental from the very first dispute filing. 

I had only authorized my Chase credit card to the rental desk clerk for incidentals/damages on my prepaid rental. I never authorized any other charge on it. That evidence was completely ignored by Chase. 

Furthermore, I believe Chase gave the merchant more than the 30 days they said they provide to merchants for replying to disputes. I called Chase customer service close to the 30-day mark and was told by an agent that the dispute was ruled in my favor because the merchant never replied.

Then around the 35-day mark Chase forwarded documents from the merchant showing fraudulent signatures that bore zero resemblance to my authentic signature. I contested the fraudulent signatures within the allotted time via paper mail, as well as via Chase 's internal online messaging system. I reiterated the fact that I had already provided proof of payment to merchant via another credit card. I asked why that was ignored. 

Both, my letter, as well as my secure email message to Chase were completely ignored ( I have proof ). They re-billed the {$290.00} to my credit card account and back-dated it to XX/XX/2019. 

I'm confident that the facts and supporting evidence of this dispute will clearly demonstrate that Chase has committed unprofessional and unethical conduct. They are bullying a consumer who has been defrauded. I have excellent credit, and I take pride in fulfilling my financial obligations. However, I refuse to be defrauded and pushed around. I will hold steadfast to my principles by never paying a dime of that {$290.00}, and I kindly request a thorough investigation of Chase 's business practices pertaining their dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: MO
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 been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX 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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( TransUnion, XXXX and XXXX ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage 3 & 8 and now 9 is in effect. This system acts like the mob and if they can't get it together the courts will .... I had enough.

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 2018-01-09
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I disputed XXXX XXXX XXXX credit card account shouldnt be reporting in my credit file and it was removed and it reappeared again. Im finally requesting this to be removed from my file as soon as possible or else I would take legal action against equifax as this account should not be reporting in my credit file at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: GOLDMAN SACHS BANK USA
State: NY
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:
have noticed Apple Goldman Sachs reporting a debt that I never contracted or agreed to pay. They have reported negative and defaming information beginning XX/XX/2021 on my credit report. They have never given sufficient information to me in order validate this late payment. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To whom it may concern I dont know what else to do I been working a way out to my debt with capital one and have enroll in to a program that supposedly is helping me out to get current but I believe it is not good enough and it is not working as I expected to be. 

My debt never goes down the balance is almost the same or doesnt not change much for my 3 capital credit cards I been making payments for the past 2 or 3 months or more just by paying the minimum amount to avoid been charge off because the minimum payment still remains high and it seeems to never go down as I make payments like they say it wont get my account current but it will avoid from getting charge off. 
The balance doesnt seems to go any lower as I make payment the interest seems to be eating me. 
The interest sometimes or most of the time is higher than my minimum payments that is why it doesnt seem to go down much All of my accounts are restricted and I wish that capital one can do more to help me out to come current once for all but the interest is killing me as I make any kind of payment most of it goes to the interest I will never be current? 

Im getting tired of this situation as much as I want to keep my account because I want them I dont wish to close any of them but I do want more help from capital one to wave me the interest charges fees and cash advance fees so that I can become current as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have ask my bank and credit card company to refund my payment that I have made in error. The error was made on XX/XX/XXXX I had to call several times to resolve this i was told it would be wire transfer back to my account and it was not and it is XX/XX/XXXX and I still dont have my money.

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 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing

Complaint:
Ive had a situation with BofA and my account was officially closed XX/XX/XXXX but the I have been dealing with this since XXXX. They told me the problem would be resolved within 45 days but has been way past that. They were supposed to send me a cashiers check within XXXX business days and the last day I was suppose to receive it was XX/XX/XXXX or XXXX, XXXX but havent gotten anything. Before they even sent the check I asked if I could pick it up from a local bank and they said yes but it would take 1-5 business days to be approved. I called 2 days later and they told me it had been approved but it was to late because they sent it out already. I already confirmed they shipping address and they couldnt tell me where my check was and they I will have to wait another 120 days before they send another one. 
The checks were around XXXX and 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 2021-11-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called Capital One Financial Corporation a few weeks ago in order to get account statements from 2011 to the closing of the account for tax purposes. Since the account has been sold to a collections agency, they refused to send me the account statements and instead told me to contact the collections agency that owns the debt.
I am not yet ready to start paying off the debt and am concerned about predatory collections agencies making life difficult for my family and myself so I need to be able to get the account statements from CapitalOne without engaging with the collections firm.
I have already talked to the Office of the Comptroller of the Currency and relevant California state agencies about this issue and all have redirect me to the Consumer Finance Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit profile seems to not exist even though I had an open US Department of Education loan in good standing with XXXX XXXX since XX/XX/XXXX and other loans since XXXX. So why do I not have any credit profile with my name XXXX XXXX XXXX on any of the credit bureaus? Why are they denying me my opportunity to obtain credit? This is a clear violation of the equal protection clause, the Fair Credit Act, Consumer Protection Act, American with Disabilitirs Act, and countless other federal and state statues. You can't just delete a profile and not report an account like a student account from the federal government that is in good standing, but if it were in default you would report it in a heartbeat. I demand an investigation and a statement on my credit profile when you are mandated to publish it stating what you have done so that crodiy.compamies know that the credit bureaus are disgusting and a new bureau should be established ( the XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX XXXX, 2017, I opened a XXXX checking account at my local branch using the attached voucher for a {$400.00} bonus. I had met all the terms of the promotion to receive the promotional {$400.00} bonus as stated in the attached voucher including meeting all opening dates, transactional requirements, and enrollment requirements. The promotion further states that the {$400.00} will be credited to my account within 120 days of completing these steps. I completed the last of these steps on XXXX XXXX, 2017. As such, 120 days from XXXX XXXX, 2017, was XXXX XXXX, 2017. I did not receive my bonus. I called Regions bank on XXXX XXXX, 2017, to inquire about my bonus. At this time, I was told that my account was inactive. I had absolutely no way of knowing that my account was going to be inactivated, considering that I had followed the exact terms of the promotion. I received no e-mails, phone calls, postal letters, or notations on my statements about this issue. Furthermore, the terms of the promotion did not indicate that the account had to be active to receive the bonus. I was then directed to call my local branch to ask them about the issue. On the same day, XXXX XXXX, 2017, I called my local branch and talked to the branch manager. I then immediately e-mailed him ( e-mail chain attached XXXX the terms and conditions of the offer and he let me know he would research the issue. I have not had any resolution on the issue since then, and the branch manager has not responded to my last two e-mails, dated XXXX XXXX, 2017 and XXXX XXXX, 2017. Thus, I have reason to believe that Regions believes that by simply ignoring me, the issue will go away. It has now been 55 days past when the bonus was due.

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 2018-01-09
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am currently repaying my student loans to XXXX XXXX. I am enrolled in an income based plan and work for a XXXX XXXX. I plan to apply for Public Service Loan Forgiveness ( PSLF ) once I have made 120 on time payments. In XXXX of XXXX my monthly payments were re-calculated, as they typically are annually. At the time I was under the IBR payment plan. My payments went from {$140.00} per month to over {$1000.00}, despite a minor change in my income. At the time I was moving in with my in laws to save money while my husband left for XXXX XXXX XXXX for the XXXX paying over {$1000.00} for only some of my federal loans was out of the question. My servicer informed me that I qualified for the new Revised Pay As You Earn ( RPAYE ) repayment plan, which would further decrease my monthly payment. I happily asked for them to switch my payment plan and I was informed that it could take up to 60 days to process the request. I was told that my account would be placed in an administrative forbearance during the processing time, but that my account would not be considered delinquent during that time. I did not receive a bill for my new RPAYE amount until XXXX XXXX. Unfortunately I was unable to make any payment from XXXX XXXX. This time frame was much longer than the 60 days that I was originally quoted. That is 7 months that I was unable to make qualifying payments towards PSLF, while still working for a qualifying organization. I will now be in debt longer due to the significant time that it took to switch my repayment plan. In addition, I was also required to make 2 monthly payments at {$5.00} each ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) due to my loans being in " administrative forbearance '' for so long. I do n't understand why I was penalized by paying this fee for the company 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is a result of identity theft and is not mine. It was fraudulently opened with the original creditor and I am now being harassed. This collector has received a copies of legal documentation from the credit bureaus confirming the account is a result of identity theft, yet they are still contacting me. I attempted to call them however the representative I spoke to today was rude and condescending. They are of no help and are attempting to collect on an account that is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: National Credit Adjusters, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I hired a credit repair company as the credit bureaus were violating my FCRA rights, and I couldn't get them to fix errors that were on my report. I thought that they'd be able to do better than me. I was able to get one account off of my report prior to purchasing their services, and it was removed after I'd obtained them. However, it's been over a year, and they've only managed to get one account off. I have asked for a refund, or some results. They claimed that I would get results, and to this day, I still have not seen any more accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: EQUIFAX, INC.
State: MO
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:
There shows an account on my reports from XXXX XXXX XXXX XXXX -a loan .... and his account has been satisfied some years back and is now past the limitations for MO this accounts needs to be removed from my reports as it is too old to be reporting. I have tried handling this previously and have gotten no help

Company response to consumer: Closed with explanation