BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-18
Company: Johnson Mark LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This is the second experience I am submitting a complaint about regarding this law firm. On XXXX XXXX, XXXX, my wife was home alone with our XXXX little kids and a man came to the door. Based on the appearance of the man, my wife did not answer the door. The man stood outside of the door for XXXX minutes yelling trying to get her to answer the door. Finally it appeared that the man left, so my wife went and got into our car with our kids only to find that the man was waiting at the end of our road. He followed my wife for XXXX miles to our bank. As my wife was in the drive thru at the bank the man jumped out of his truck and approached the vehicle. My wife pulled away and he ran back to his truck and followed her to our other bank and while she was in the drive thru at this bank he got out of his truck and approached the vehicle again. I was on the phone with her right before this and she was crying and very upset. I told her to hang up with me and call the police. 

Before she could pull away he jumped in front of our car to block her, she was on the phone with XXXX at this point and as he walked up to her window she showed him that she was on the phone with the police. He then lifted up the windshield wiper and stuck the documents on the windshield. All of this is on the banks surveillance cameras. 

I mention the surveillance cameras because the last complaint I submitted about this law firm was quickly dismissed. In the words of the owner of the company that delivered the documents last time after an escalated conversation with him, he said, " If you do n't have it on camera, there 's no proof we did anything wrong. '' This law firm response for my last complaint was completely false as they stated that all applicable laws were followed. If my wife and I are experiencing this type of harassment, I can guarantee that others in Utah are also experiencing this treatment.

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 2023-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX an authorized card holder for my account attempted to make a payment in the amount of {$2000.00}. The card was declined with the code " insufficient funds '' while I had more than $ XXXX in available credit. The card holder called in, and had a very poor experience with customer support. They made her reveal personal information about herself like her name, email, dob, last four of social, full card number, etc. After doing this they told her they need to speak to the primary card holder and it can't be helped. 

I then proceeded to speak to the gentleman who did not care at all that we have been customers with both personal and business credit since XXXX. He then required me to verify name, email, dob, last four of social, card number, etc. After this he then forced me to send my actual drivers license to the business. I asked to speak to a manager, after which I was required to send my drivers license a second time. After that, I was forced to provide every intrusive PII detail about myself, my business, and every card holder. This included ever phone number, email, address, and PII for all cardholders. Every data point on the account. The process took over 30 minutes. 

After this, the transaction was still declined with Capital One on the line. This took 56 minutes in all and three failed charges for them to authorize me to use my own card. This is the third time they have caused these issues in the last 6 weeks over my personal and business accounts. I raised the issue and they said that I need to get used to it. In order to decrease their risk they have become out of control in how they treat customers. I asked them to whitelist my accounts for future issues and they told me they will not do that and there was no other manager I could speak to, and refused to transfer me to anyone but the call center supervisor I was speaking to. I have done hundreds of thousands of dollars worth of business with Capital One. It doesn't matter, no customer is safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth attempt to inform you that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: CITIBANK, N.A.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
This is a follow up to complaint number XXXX wherein Citibank refused to honor their own cashier checks. I have still not received this money. 

Citibank originally claimed that the money was escheated to the State of California, ( or Colorado or DC ) but California did not show a record of the transaction ( see attached ). California requested proof of the transfer in a subsequent conversation, but despite numerous unanswered requests to the branch XXXX, XXXX XXXX, or to XXXX XXXX at the XXXX XXXX XXXX, Citibank has failed to supply proof that this transaction occurred. 

After my original complaint, I received a letter from XXXX XXXX at the XXXX XXXX XXXX with the months that Citibank allegedly escheated the funds. I requested proof of this transaction ( as requested by the State ) but was informed that this information was proprietary. I requested that they send the information directly to the state, but was informed that Citibank would not do this. 

I made numerous requests to speak to XXXX XXXX XXXX XXXX, XXXX XXXX, but XXXX XXXX refused on the basis that she would tell me the same things ( which is absurd on its face since my first question would have been to ask XXXX XXXX XXXX  XXXX XXXX name ). My XXXX did promise a call-back from a rXXXXe of XXXX XXXX and gave me an email address for the XXXX XXXX, but like so many failed assurances from Citibank, no phone call was received, and the email address proved invalid. 

Citibank took my money, refused to honor their checks, and then failed to assist in recovering the money leaving me with no recourse.

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 2023-04-01
Company: EQUIFAX, INC.
State: OH
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 had my identity stolen. I have the letter from the attorney General that was sent out. This is a problem I've been dealing with for years. It is extremely difficult to find all the people they've used my information with. These are not my accounts and need to be removed from my credit. I've called and made disputes. I've been unsuccessful uploading my documents XXXXXXXX XXXX. This is effecting my livelihood. It is effecting my ability to run my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020, I filed a complaint with CFPB against Synchrony bank for frauduently charging fees and my ~ {$750.00} balance on the card remained the same after 2+years. After filing complaint with CFPB, Synchrony bank adjusted the account and I paid off the remaing balance in XX/XX/2020 while the account was already closed. 

Well, Synchrony Bank will continue to commit FRAUD unless an enforcement agency penalize them. 

My account was paid in XXXX/XXXX XXXX off right after they adjusted the amount BUT, on XXXX, I received an email stating my statement balance {$39.00} and Minimum payment of {$39.00} due by XX/XX/2020. And then, On XXXX, I received another email stating that I missed a payment and asked to {$40.00}. 

HOW COULD I MISS A PAYMENT ON XXXX WHEN DUE DATE IS XX/XX/2020?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28
Company: RentDebt Automated Collections, LLC
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:
In accordance with the fair credit Reporting act XXXX Account Rent debt Collection, has violated my rights.

15 USC 1681 Section 602 States I have the right of privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC1666B : A creditor may not treat a payment on a credit card, credit report or credit account under a open end consumer credit as a late for any purpose. 

I am writing in regards to the rent debt reference to inform you that Im disputing this debt. Please verify the debt as required by the Fair debt Collection Practices act. 
I am disputing this debt because I do mot owned it, I never received any letter or any advice pf this collection. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already report it, please deleted this from my creditor report because this is not mine. Reporting information that you know is inaccurate, or failing to report information correctly, violates the Fair Reporting act.

Finally please note that I do not wish yo received further telephone calls or letters concerning this debt that I do not owe to the client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C 1692 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: EQUIFAX, INC.
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:
I reviewed my credit information and discovered that there is a Bankruptcy, Chapter XXXX listed on my credit file from XX/XX/XXXX, and Bankruptcy, Chapter XXXX filed XX/XX/XXXX. I begin to investigate and determined that the courts did not report to the credit bureaus. I did obtain a letter from the credit advised that it was not reported by them. I also reached out to XXXX as well and they also sent a response advising that they do not make any contact with any credit reporting agencies. I was never provided with any information advising the information has been verified or accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: JPMORGAN CHASE & CO.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2017 I visited the Chase Bank branch located at XXXX XXXX XXXX XXXX in XXXX, Oklahoma. I was there to verify my identity for a wire transfer I had originally initiated online. I brought with me several forms of identification and initially dealt with personal banker XXXX XXXX. XXXX XXXX took my documents and verified my identity. He then called someone on the phone ( presumably in a different department charged with initiating wire transfers ) and subsequently informed me they could n't complete the transfer for " security of the account '' reasons. I insisted as to why, my money could n't be transferred to another institution when I had come to the bank, in person, and verified my identity with three separate forms of identification and was myself requesting that they initiate the transfer. I requested to speak with the Branch Manager ( one XXXX XXXX ) who parroted back the same refrain " we can not do the wire for security of the account reasons. '' I informed XXXX XXXX and XXXX XXXX that this was n't a valid reason since the money was mine and on deposit with the bank, and I had met all of the requirements for initiating a wire transfer. I told them that if they continued to refuse to initiate said wire transfer without providing reasonable grounds I would consider their actions highly prejudicial and discriminatory and pursue further action against both. This is why I have come to you ( among others ) to help weed out this sort behavior within our banking institutions. It is unacceptable to refuse service to a customer that has gone above and beyond to satisfy all requirements without providing a legitimate reason for why service has been refused. I ask that you take immediate and swift action against Chase Bank and it 's employees ( XXXX XXXX and XXXX XXXX ) so that no other patrons are harmed, as I was, by their wanton, careless and XXXX treatment of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Bread Financial Holdings, Inc.
State: TX
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:
COMENITYBANK/KAY XXXX Reports late payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with XXXX  symptoms while battling other illnesses related to my XXXX  service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the XXXX  of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and XXXX. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a manager that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is XXXX reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: OneMain Finance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX I got an alert that a hard inquiry was placed on my credit report by OneMain Financial and I did not apply for anything or inquiry with that company I tried contacting the company and the automated system said it was closed and to call back Monday through Friday the inquiry was made on Saturday XXXX XXXX so how if they are closed on the weekend?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened an citi account since day 1 i started having problems. I wired transfered all my money to my other account and closed my account. I asked the representative if my wire transfer will be affected from closure they said no so i went thru closing. Out of 2 wire transfer one didnt go thru. I called at least 6 times and customer service either putting me on hold or giving me another number to call. My 13 k is lost and now my account is closed. Ill call again in the morning but i know nothing will be resolved. I regret to even come close to citi bank. I want 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 explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
After reviewing my credit profile on XX/XX/XXXX I identified discrepancy 's with my credit profile and the accounts that you are reporting. I have requested for these accounts to be reviewed to ensure that everything was reporting 100 % accurate. I also requested validation of these accounts. I reviewed my credit report again on XX/XX/XXXX and to my surprise, the accounts continued to reflect on my credit report inaccurately and I did not receive any correspondence from creditor to validate the accounts. The accounts were not updated to reflect that they were disputed and therefore, another letter was sent requesting an investigation. 2nd letter was sent out on that day. After reviewing credit report again on XX/XX/XXXX there have still been no updates and the accounts were still reflecting on the report inaccurately. I continued to send out letters monthly to try to correct your reporting errors and the only update provided is " Account previously in dispute- now resolved by data furnisher ''. My concerns are not being addressed after multiple attempts to have my profile corrected and the accounts continues to negatively affect me. Please remove the following accounts from reporting to the bureau until adequate validation has been received proving that all information is 100 % correct. XXXX Account Number : XXXX XXXX Account Number : 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