BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-11
Company: CITIBANK, N.A.
State: NJ
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:
My AT & T Universal Card has no one answering the phone. I pay my bill in full each and every month and have done so since being a member since XXXX. Since the COVID-19 Pandemic, card statements are coming later and later each month, in fact, I did not rec ' a bill in XXXX at all. They refuse to adjust {$29.00} in fees and {$18.00} in interest. 

Bills have been coming in my mail later and later and despite mailing on time they appear to be " arriving '' at their locations late, resulting in their " fees '' ( note the do not call them late fees in the account summary which is misleading. They also charge interest payments but DO NOT SPECIFY the interest rate charged, also misleading. 

The company has a misleading paper billing statement. Billing period is XX/XX/XXXX - XX/XX/XXXX yet they state that my billing period is the first of every month. When this happens the company states that I can go paperless and sign up for automatic bill pay which to the company makes their life easier but as a victim of on line fraud, I do not want to sign up with this option. I prefer paper bills and do not want to be at the mercy of faulty mail and billing schemes as well as interest rates of 29.89 % which is disgraceful for someone with a XXXX FICO score. 

CITI ATT UNIVERSAL CARD XXXX XXXX XXXX XXXX XXXX, SD XXXX. 15-20 minute wait time for live operator. 

I would like to know if there are internal marketing " goals '' that encourage paperless, direct payment from banks as a business decision which forces consumers onto web sites and be open to fraud. 

Is the CFPB looking out for the consumer or defending the " big '' credit card companies during a COVID Pandemic? This is a question that many consumers have and it seems the Credit Card companies are getting away with misleading fees and late charges. 

I would like to know if late fees and interest fees have increased during COVID-19 and what the CFPB is doing.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Delete fraud alerts and extended fraud alerts from all three bureaus TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-04-14
Company: TD BANK US HOLDING COMPANY
State: AL
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:
Thank you for taking the time to read this. XXXX, XXXX and XXXX of XXXX I had missed payments resulting in affects to my credit reports on all 3 bureaus. I missed these payments due to being XXXX to XXXX on XXXX XXXX military status. I requested a goodwill forgiveness for the missed payments and it was granted on XXXX only. I am pleading with you to remove the missed payments and the deragtory remarks on all 3 credit bureaus, as I am trying to fix my credit to buy a house now that I am medically XXXX  from the XXXX. Please consider changing the status of missed payments as a goodwill gesture as I have never missed a payment aside from these 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
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: Information belongs to someone else

Complaint:
I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. Can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. I have contacted the FTC and the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Lewis, McDonnell & Associates
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:
I previously notified you that I am a victim of identity theft on XX/XX/2022 A identity thief used my personal information without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide 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 XXXX Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I obtained a copy of my consumer report and noticed a Discover Bank credit card account I did not open. I reached out to Discover Bank and was told that this account was verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XXXX, 2022 I submitted a FTC REPORT due to my credit file being impacted by the XXXX Data Breech. Disputes along with the FTC REPORT were mailed off to XXXX, TRANSUNION, XXXX and as of Today XX/XX/2022. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed XXXX 'S 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 2023-12-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-04-15
Company: EQUIFAX, INC.
State: IA
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 HJAVE VIOLATED MMY FEDERALLY PROTECYED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
XXXX XXXXXXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX HAS VOILATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C.1681 SECTOIN 604 A SECTION 2 IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 OR CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY ONFORMATION REL ; ATED 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
Consumer complaint received 2020-07-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Consumer Financial Protection Bureau Complaint # XXXX Macys account ending in XXXX Dear : Mrs. XXXX, It appears that the Department Stores National Bank ( DSNB ) may need to reassess their decision to have asked you to review and  respond on their behalf. 

Based on your response to this complaint, it appears that you are not capable of handling this complaint and is deeply concerning. 

In response to your response to my complaint you stated, " Our research determined that you were attempting to download the statement prior to the statement closing date, which means the statement was not yet available. '' Mrs. XXXX, this claim is not true! 

Attached is screen shot of the date XX/XX/XXXX that shows that the system does not allow you to download the statement in PDF, and only allow you to download the spreadsheet option. Having to wait 6 days after the statement closing due date is unacceptable. 

Secondly, in your next quoted statement where you say, " We found no correspondence sent to you which provided you with the information an {$11.00} minimum payment was due. '' For you to say, " If you can provide additional information to the above address we would be happy to research this further. 
And not even look at the complaint shows that you have no respect for customers sincere concerns and honestly is quite embarrassing. 

Actually it doesn't take any research at all, all you have to do is look at the attachments to the complaint. The evidence clearly shows that information was sent to me by email from Macys showing a balance do was {$11.00}.

Can you please explain Why are you asking me to provide additional information to your address to research this further and Why are you apologizing for difficulty, l experienced with viewing my statement online when that information is attached and available right now in the CFPB complaint and not even thoroughly look at my response? 

I would request that you relinquish yourself from addressing this complaint because you obviously don't take this complaint seriously. 

Sincerely, XXXX XXXX XXXX cc : -CFPB -Main Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX -Macy 's XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: LA
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:
Hard inquiries show on my experian report and I requested the reporting agency to provide documentation that I released my credit report in accordance with 15 usc 1681b ( 2 ), 1681b ( 3 ) ( A ) and they did not provide proof of release and rejected my dispute. 

Experian credit disputes XXXX XXXX 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 explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is under litigation. The balance is incorrect and I need it removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Klarna AB
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I used their finance service to purchase an item at XXXX XXXX 2 months ago. I've been trying to create an account to log in to see/pay my bill and have been unable to do so. Every time I try to verify my phone number as required I get the same error message " Failed to Send The Code To Your Phone. '' I've been calling/emailing/XXXX  Messaging them for the 2 months and still not have any resolution. The few times people have responded, they asked for a screenshot of the error message, which I send right away then I never hear back from them again. There is NO phone number for the corporate office in XXXX, OH, only their off shore call centers. I've had 11 different people tell me that their supervisor will call me back in 24-48 hours and I've NEVER gotten a single call. I've been told 7 times that this will be escalated to their technical team and that it will take 7-10 days for them to fixe the issue. It's been TWO MONTHS AND I'VE NEVER HEARD BACK FROM ANYONE AND STILL CAN'T LOG IN TO SEE OR PAY MY BILL. I can't even get my account number from anyone. 

I've attached a copy of the chat from XX/XX/XXXX that I've never heard back from, like all the other means of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was locked out of my Marcus Savings ( Goldman Sachs ) account because they had the wrong SSN on file, and because my phone number is not registered in my name on their end. I was told that a letter was sent out on XX/XX/23 to my mailing address with an affidavit so I could verify my identity and unlock my account. They said it would take up to 10 business days. I have not received such a letter. I have also bought a new sim to get a phone number in my name, even though I have had my phone number for almost 10 years now. I was unable to verify myself with my new phone number as well.

Whenever I call Marcus, a case gets opened and I am asked to call back in 3 days. Then another case gets opened. I am stuck in a loop, with no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express is charging me for Item and services I did not receive. 
They are refusing to dispute the charges. 
Amex promise to have a supervisor call me but did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo refused offers on the house more than once and we lost the house.

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 2022-07-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize

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 2020-12-11
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: Was not notified of investigation status or results

Complaint:
I disputed an unverfied account ( XXXX XXXX ) with EXPERIAN LLC XX/XX/2020 I was informed by Experian on XX/XX/2020 that the account ( XXXX XXXX ) was removed from my Experian report. on XX/XX/2020 the unverfied account was placed back on my Experian credit report without notifying me within business days. Under the FCRA guidelines Credit Bureaus reinsert a deleted item from your credit report without notifying the consumer within 5 business days the violation is consumer protection afforded by the FCRA THE FINE IS {$1000.00} paid to me and the legal jurisdiction FCRA section 611part ( A ) ( 5 ) ( B ) ( ii ) Experian has refused to pay the fine and I demand now experian pays the fine to me within 15 days

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 2023-12-06
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Our Business Paypal account was shut down without reason. They were unable to disclose why. There was a balance of {$1600.00} that they are refusing to release. 
XX/XX/XXXX XXXX funds were accepted XX/XX/XXXX and email was sent saying they were reviewing and shutting down our account and funds would be held for 120days. 
XX/XX/XXXX I recived emails that our funds were available. i went on the account and an error occured when trying to recieve funds. 
XX/XX/XXXX the account says it will not be able to release the funds till XX/XX/. 

I am a XXXX XXXX XXXX  of 10 years. We just opened an online store and linked our paypal account to it. Our regular cutomers used this site and paypal to purchase hair products. they chose in store pickup. Our customers all have came to pickup their goods. But we have not recieived any funds for the goods. Paypal is holding it without reason. 
They have not reached out to any of our customers to confirm our business or recipet of goods. th Paypal has not contact number and their online help leads to nowhere. We are a small business and they are holding our money hostage. I have read many articles that they will keep the remaining balance as a 'fee '. 

HELP! This should be illegal.

Company response to consumer: Closed with non-monetary relief