BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: MI
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 have 3 credit inquires that I never authorized or applied for. One of them the company recognized the mistake and send the credit bureaus a correction. One of the credit bureaus ( Equifax ) still refuses to delete this inquiry despite contacting them about it 2-3 times. 

1. XXXX XXXX XXXX I never applied to this company and never requested a credit from them. ( tried to have Equifax delete it but they refused and just added a remark that I disagree ) ( I need this entry completely removed because I never made it ) 2. XXXX XXXX.I never applied to this company and never requested a credit from them. ( tried to have Equifax delete it but they refused and just added a remark that I disagree ) ( I need this entry completely removed because I never made it ) 3. XXXX I never authorized this inquiry. I contacted XXXX about it and they agreed that it was there mistake. They sent explanation to the credit bureaus stating that it was their mistake and to remove it. XXXX   and XXXX  removed it except Equifax, they still refuse to remove it even after I explained what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX  XX/XX/ {$540.00}, XXXX XXXXl XXXX XXXX {$18000.00}, XXXX  XXXX XXXX XXXX {$320.00}, U.S. Bankruptcy XXXX XXXX.The accounts Listed in this statement are accounts I just recently reviewed on my credit report. I have contacted the creditors for each account and I have filed an ftc report and nothing have been removed. I have never used or applied for any of these accounts. I am askking if these items please be removed 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 2018-03-23
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
For my birthday, my son gave me a XXXX Debit card purchased from a store for XXXX. I held onto the card until I need to purchase something. I went to use the card approximately 18 months later and only had {$6.00} available on the card. I called up the debit company, XXXX, and made a complaint. They apologized and said it was because of inactivity fee. I did not know when given this card there was in inactivity fee. What, exactly, do they have to do for this fee? 
I feel this is an erroneous fee, almost as a punishment for NOT using your gift. 
I would welcome your assistance in trying to recoup the XXXX they kept from me. 
The card number is XXXX. It expires XX/XX/XXXX The security code is XXXX. 
Their telephone number is XXXX Please let me know if you need anymore information. 
Thank you, l 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 monetary relief
Consumer complaint received 2018-05-02
Company: DISCOVER BANK
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There was a unauthorized Hard Inquiry made on my Credit by Discovery Card on XX/XX/XXXX. This Hard Hit was made totally at their own Discretion and DEFINITELY not authorized by me. As I understand this is a common practice by Discover Card when browsing through one of their sites. They believe most people aren't keeping tract of their Credit Score and are seeking to use personal information for their own purposes. This is a huge misuse and invasion of privacy running Credit Checks without the person 's authorization. I had already applied for a Discover Card a few months ago. Why would I authorize another hit when I already did so on XX/XX/XXXX and was refused?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: NY
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:
Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent a payment on XX/XX/2021 to my sister and it went to the wrong cash tag. the money never was touched cash app denied her request to gain access and is refusing to refund me my {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Called the customer service for the XXXX XXXX XXXX card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that XXXX  reported a complaint.  The Credit specialist at XXXX is not giving me much information or having this resolved.

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 2020-06-06
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been making payments on time to Synchrony bank for all three cards I hold through them, Care Credit, XXXX XXXX and Guitar Center. I make them every month with the only late instance due to their website not processing an automatic payment I set up on one occassion. My fiance and I have stayed gainfully employed through the pandemic, never missed a payment during it, never were struggling to make one and never asked for any sort of forbearance, forgiveness or other help to make the payments during this time. 

Once the pandemic hit and places were shutting down, they " initiated a periodic review '' of my credit report and cut my limits on my XXXX XXXX and Guitar Center credit cards due to " other accounts with other institutions showing over their limits. '' Those accounts were in no way related to Synchrony Bank and only were briefly over their limits due to interest fees and payments not being processed yet because their due dates had not come up yet. 

This reduction of available credit and change to my credit balance to limit ratios has negatively impacted my credit limit for no reason other than them trying to protect themselves due to the pandemic with blanket actions rather than independently reviewing situations.

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 2019-03-27
Company: AMERICAN EXPRESS COMPANY
State: FL
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 am a cardmember of AMEX for 21 years. I have 2 Business Platinum products ; one of which I was recently solicited for with a points offer that was miscommunicated and misrepresented ; thus I wrote to the CEO of AMEX, XXXX XXXX, as I was getting nowhere with AMEX Membership Rewards. I was contacted by AMEX Executive offices after sending this letter ( fyi there is no way to phone and XXXX out to a human at the AMEX Executive offices after the initial contact ). While examining my complaint, the AMEX Executive offices somehow put my Membership Rewards Account in a " review status '' which has locked my rewards from being utilized for six to eight weeks. AMEX Customer Service can not unlock ; AMEX Membership Rewards can not unlock. I have spoken to numerous supervisors. I have spent a good 10+ hours of my time this week trying to escalate this issue. I opened report XXXX with Customer Service, I have emailed the executive offices ( XXXX XXXX - who was assigned to me ), phoned and left messages for this individual ( as you can not zero out ) ; as well as put a second written correspondence in the mail to XXXX XXXX. Still no resolution. AMEX is holding my rewards points hostage and I can not utilize them. Meanwhile, I have a Mother that is ill and I am trying to book a flight to see her ; but can not utilize my points. This is unacceptable service by AMEX,  specifically for a cardholder of 21 years with 2 Business Platinum products. Please seek resolution on my behalf. It is very possible that other cardholders have experienced same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a veteran my loan was transferred to planet home lending on XX/XX/XXXXi made my payment on time on XX/XX/XXXX they are holding my payment claiming they have not received it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have disputed and credit bureaus will not delete.

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 2019-04-24
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a recent hit to my credit report. I believe this to be fraud because I have never heard of the collection group or the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I reported fraud charges on my card and Macys didnt even adjust my balance. It shows I still owe them.

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 2017-11-28
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
I opened new XXXX Simply checking account in XX/XX/XXXX with account # XXXX. I made my first two bill payment on XX/XX/XXXX for {$29.00} to XXXX bank and {$25.00} to XXXX. On XX/XX/XXXX I got call from XXXX that my payment has been rejected due to inactive account. I said my account is active and has {$20000.00} balance. Upon further review they said they have paid both bill out my old account ending in XXXX rather than ending in XXXX. I said I only have one simply right checking account ending in XXXX. ( XXXX ). On XX/XX/XXXX bill pay account was corrected and both XXXX bank and XXXX were paid correct amount. However, XXXX charged {$25.00} returned fee and XXXX charged {$50.00} for returned fee ( {$25.00} twice ). For your review I have attached the {$75.00} charges statement. XXXX have credited {$25.00} fee however XXXX is not crediting {$50.00} that was charged by two times of {$25.00} charges on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: EQUIFAX, INC.
State: KY
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:
XXXX XXXX XXXX ran my credit 7 times on XX/XX/2017. I tried disputing this through the credit bureaus. They each told me that I need to speak with the creditor. I contacted each individual company that ran my credit on XXXX, they all stated that XXXX XXXX XXXX ran the report in order to apply for the best rate for a car. I emailed the general manager of XXXX XXXX  XXXX. He stated the application was submitted online. He could not provide me with an electronic signature. I demand these inquiries be removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Several months ago, Flagstar Bank told me I didn't provide my fire insurance for my home mortgage. Actually my insurance agent did send the insurance proof to them several times on time, and also explained that the house is a duplex and there are 2 insurances which both have been provided to Flagstar Bank. Eventually Flagstar admitted it's their problem and said it has been resolved. But they bought an extra insurance anyway and let me pay the extra escrow ( insurance ) cost. 

I pay the mortgage every month on time. But now I got a collecting call from them saying I missed the payment -- that's caused by the extra insurance they bought for me which they promised to correct. 

Now they threat to report a negative credit on me and foreclosure because of the mistake they made. 

This issue lasts for several months. And by the way, the insurance issue showing up every year -- they keep saying I miss the insurance every year which absolutely not the case.

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 2020-12-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
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:
XX/XX/2020 went into fifth third bank at XXXX XXXX  XXXX XXXX XXXX in XXXX ( not my bank ) and received 1 cash advance for XXXX with my XXXX XXXX. My credit card company listed me receiving 2 cash advances. First called bank fraud department who said I must dispute thru credit card company which I did. They closed investigation out even though fifth third sent documentation that only 1 transaction occurred and has batch report proving only one credit card advance for XXXX occured. XXXX  XXXX  says that the bank ran two advances regardless of the proof provided to XXXX  XXXX  of only one. XXXX  XXXX  says only way they will reverse charge is if the bank provides in writing its plan to reimburse me or them credit card company said I needed to take my statement into fifth third which I did XX/XX/XXXX and sat with bank manager for an hour who said she needed to contact their internal department to figure out where that XXXX went since it was not given to me. I call and bank manager doesn't speak to me just tells them to tell me she is still working on it. Fifth third f raud department refuses to launch investigation stating it's their policy that I dispute with credit card company. Credit card company refusing to do anything and closed dispute even though fifth third bank manager called and spoke to XXXX  XXXX  dispute department supervisor and explained it was their fault what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this particular agency is still trying to collect a non verfiied debt against me. on XX/XX/2017 I have paperwork that states the following '' be advised that choice recovery, Inc has requested deletion of the account placed by XXXX XXXX XXXX XXXX acount number blab blab to be removed off your credit report. suddenly in the middle of nowhere the agency has reinstated the debt, which is a violation of itself without my express consent. you have also agreed to removed the information from my credit file the second time back in XXXX which has not happened as of yet. I have you choice recovery still reporting on my credit which is hinding my ability to move forward with my life. I will not give in with this, and will continue to fight this battle.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Between XXXX and XXXX I was the victim of fraudulent charges on my Home Depot Credit card, each time I was notified about suspicious activity or noticed the fraudulent activity myself I contacted HD Credit card services and notified them. 

I ended up closing my HD account since they were allowing an impersonator fraudster to have access to my credit card by going into a store and by presenting a fakeID and my SSN. HomeDepot never initially explained this modus operandi to me, they only stated they were going to issue a new card and drop the charges, only after the third round of fraudulent charges and when I pressed them on how this was happening over and over they explained the modus operandi to me. After this was made clear, I asked them to close all my accounts and report all purchases as fraud to which HD accepted.

After this, I got a letter from Citi stating the report on the fraud charges was completed and that I'm not liable or responsible in any manner. 

To my surprise months later, I started getting collection calls from CitiBank and later on by XXXX  XXXX. In the beginning, I explained to them the whole situation to which they said they were going to make notes on my case. Still, again and again, they keep calling me to collect the debt of the fraud charges. Now I noticed they reported me to XXXX  and my credit score dropped around 100 points.

I have already spent several hours calling HD and Citibank explaining this situation over and over and they always say they are going to fix it, but they never do. I don't know what else to do. 


I want HD and Citibank to inform all debt collectors ( XXXX XXXX ) working on their behalf to stop calling me and stop reporting me to credit agencies for fraudulent purchases from which I'm not responsible and make the necessary corrections to these false remarks. 


Report XXXX XX/XX/XXXX Updated Account Information THD/CBNA Remark Added to Account THD/CBNA Thank you 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 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Capital One Quicksilver on XX/XX/XXXX ; this was my first ever credit card. The promotion had said that if I spend XXXX dollars, then I will get a XXXX dollar sign up bonus. After spending XXXX, and not receiving the amount, I called after getting my statement and they submitted a review to their rewards team. I was told to call on that following Friday, but when I did they said they never said that. They told me to wait until Monday, and so I waited until Wednesday, XX/XX/XXXX. I had to reach out yet again, and they told me it was declined. They are saying they never offered it, and yet it was for new card members ( which I was ), and it was right on my application. This sign up bonus is still being offered. I have found that many people have encountered this form of gaslighting on behalf of Capital One. I wish I did my research, because it is clear Capital One scams most of their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX Unable to access my chime account because I can not receive the verification code, and they do not offer the option of having the verification code sent to you an alternate way. 
Found out my phone number had been changed tried to update phone number online got all the way up tp getting a verification code enter code enter new number nothing happened. Have been going around and around with customer service sending requested documents and now I am informed my account is on hold due to suspicious activity, I have provided once again requested documentation and I am now waiting for the review department to make a determination. my social security XXXX check goes into that account and I had {$1300.00} to {$2000.00} in a savings account. I can provide a timeline and copies of all emails as well copies of all documentation I provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: DISCOVER BANK
State: NY
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:
Someone I do not know hacked my computer and made fraudulent charges on my account amounting to {$8700.00} and was made on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief