BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: CITIBANK, N.A.
State: FL
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:
Had purchased a ticket on XXXX on XXXX XXXX from XXXX to lasvags on XX/XX/XXXX. that is the weekend that XXXX canceled thousands of flights. They changed my flight route on XXXX from a route via XXXX to a XXXX XXXX XXXX. the flight out of XXXX was delayed XXXX hours. before we even took off from XXXX XXXX had canceled the flight from XXXX to XXXX XXXX due to staffing reasons. which per federal regulations means i am due a full refund plus compensation. XXXX flew to XXXX and then back to XXXX the same day as they said they could not get to XXXX XXXX until XXXX at the earliest but that i would miss my flight home if i went that route. since they could not find me a hotel room in XXXX i went home. I spoke with a XXXX XXXX in XXXX customer support she promissed me a full refund and gave me a {$300.00} flight credits for my agravation. when i pressed her on th fact that i had non refundable rooms rented in XXXX she issued another {$200.00} credit and promised me a full and complete refund on my credit card charges for this flight and said it would take XXXX weeks for the credit to post back to my credit card. 

XXXX is now denying me the credit saying that they flew me part way and are entitled to this money and Citi Bank is agreeing with them and refusing to issue the refund. I have attached the emails from XXXX promising me a full refund as well as there XXXX reason for not giving me back 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 2023-12-11
Company: EQUIFAX, INC.
State: TX
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/XXXX, I was in XXXX XXXX and attempted to use the United Lounge as promised by my United card which comes with two one-time passes each year. 

One-time passes were not accepted, apparently due to scheduled construction and not an exceptional event. In addition, I attempted to use the " pop-up '' United lounge  and was also rejected. 

If these passes are not usable when needed, then this perk is not worth much and misleads consumers. Specifically, United/Chase has the ability to inform me specifically ( without me needing to search deep on the website ) if the clubs are unavailable. This might change my travel plans and is presumably why they don't bother. I could have flown XXXX for less but paid extra to use the lounge and escape the crowds. 

United/Chase should provide some sort of remuneration when this situation arises.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/21, I pulled a copy of my credit report. I noticed there was collection on there from LJ Ross Associates. It's a collection for a XXXX XXXX bill, which I never opened or gave permission to use my personal credentials. The collection was reported XX/XX/21 without any notification. The amount is for {$410.00}. I'm asking that this account be removed immediately as this is fraudulent!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Our complaint is against PayPal Holdings , Inc., XXXX XXXX, California, USA for withholding funds without reason for a period of 180 days. 

Withdrawals from our PayPal business account was frozen on XXXX XX/XX/2023. PayPal started an inquiry and requested information about our business and certain transactions. They emailed our clients to confirm if they received the goods they purchased. All information was submitted and we confirmed that our clients also confirmed that received their goods in good order. 

The inquiry process carried on until XXXX XX/XX/2023 when they informed us that we have satisfied all requirements and our account will be fully re-instated. After we received confirmation that our account was re-instated we tried to do a withdrawal. Immediately after our withdrawal attempt PayPal sent us a message that our account will be closed and they will withhold our funds for 180 days. 

The date of the transaction in question ranged from XXXX XX/XX/2023 to XXXX XX/XX/2023. 

PayPal is withholding XXXX XXXX after all goods have been delivered in good order and confirmed by the clients. 

We have tried numerous time to resolve the issue with PayPal, but they keep on saying we have to wait 180 days for our money. 

Our business account name is : XXXX XXXX XXXX, incorporated in the XXXX XXXX XXXX. 
The business representative is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I contacted the Citi card company when I couldnt log into my account and realized I had lost my card. My initial request XX/XX/XXXX was sent to a different address than requested which caused further delays. I contacted again on XX/XX/XXXX and was assured the card would be sent expedited shipping. I have not received the card as of XX/XX/XXXX and now have a late fee because I could not log in to pay. I have also found out that the representative never sent it via expedited shipping. I was never once offered the option to pay via the phone on any previous attempt until when I called today XX/XX/XXXX and they tell me I have a late fee to which I am requesting to be waived. I want no one to experience this incompetent company.

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 2023-12-11
Company: EQUIFAX, INC.
State: TN
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: CA
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 am sending this complaint the XXXX time following up my request for assistance to from Experian, XXXX and XXXX Credit Bureaus for the removal of inquiries from my XXXX credit reports. I understand that inquiries on my credit report can impact my XXXX XXXX, and as a responsible consumer, I strive to maintain an accurate and positive credit profile. Therefore, once more I kindly request your assistance, XXXX Credit Bureaus in promptly investigating and removing these inquiries listed below from my credit report : EXPERIAN : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-01-25
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was never notified that my the APR used for my credit card charges was increased. I kept on using the card thinking I still had the 14.49 % interest rate I had when I opened the card. It was only when I looked on the later pages of the card statement that my new purchases were being charged a higher interest rate. I asked for a reconsideration or lowering of the rate given that the national average was below the 20.49 % I was being charged with but I was told no and my account was being 'evaluated periodically '. Sure it is. Mainly to raise my rate after I have been paying my account on time since XXXX. 


Because I was wanting to pay down the balance on the higher interest rate, I asked twice through chat how my payments were applied toward my balances on the different APR tiers on my account ( I have three APR rates with three different balances ). I was told both times that it was applied first to my higher interest rate balance. Seeing that that wasn't the case, I asked the representative I opened the second chat with how my payments were applied to the balance that was subject to interest because it wasn't adding up for me. Representative couldn't explain so opened up a 'dispute '. 


An 'explanation ' letter was given which basically told me to look at the same statements that weren't adding up. 


" For your clarification and reference, we have sent you, under separate cover, copies of your XX/XX/XXXX through XX/XX/XXXX statements. 

Please be advised that payment ( s ) up to minimum amount due are applied to balances on the lower Annual Percentage rate ( APR ) portion and the remaining payment ( s ) will be applied towards the balances on the higher APR portion and then to lower APR portion. '' This time, I called customer service. I asked one more time are my payments being applied toward my higher APR balance. Once again, the representative answered yes. I asked the representative to read the letter that was sent to me. She then backtracked and said no, it's not applied to the higher interest rate. So I asked again how the balance that is subject to interest was computed. She said no one can answer you. I said you don't have an accounting department that can tell me how the balances are computed, she said no, we don't have an accounting department. What, Amex pulls figures out of thin air? She said no one can help you with that. What??? I'm just supposed to take the figures that are given to me and say ok that's right without knowing how the figures were computed?? She said it all adds up and then when I did try to get her to tell me how it adds up, she said I can't explain it to you, I'll open another dispute for you. So I can get the same generic letter? No thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 been trying to buy a car and i was denied due to damages to my credit according 15 USC 1681 Law That is deformation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: LJ Ross Associates
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:
On XX/XX/2021, L J ROSS ASSOC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, L J ROSS ASSOC has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This is actually my second complaint. The first complaint XXXX was submitted on XX/XX/2019 and closed on XX/XX/19 with the late payments being removed from my credit report. It is now XX/XX/2019 and the same incorrect information that I complained about then has still not been updated. I submitted payment information and letters from XXXX showing that I my payments for the month of XXXX and XXXX were never late and this information still has not been correct and it's affecting my credit rating and I'm receiving a higher rate on my mortgage qualification due to it. I just wanted the information corrected ASAP, because it's not far to me as the consumer to have to constantly contact Transunion to ask them to fix something that's they know is incorrect. I have attached the supporting documents along with the detailed from the report submitted on XX/XX/2019. Transunion is the only credit reporting agency that I am having this problem with and I'm starting to get really frustrating that they know the info is incorrect, yet they are still placing it on my report with proof that its incorrect.

Prior complaint:

I received a copy of my credit report at the end of XXXX  that showed that XXXX  shows that I was late on my student loan payment for the Month of XXXX, XXXX and XXXX. I spoke to rep who state I needed to upload supporting documentation to all three of the bureaus and they will review the info and make corrections where needed. XXXX  and XXXX   within 2 business days everything had been reviewed and the delinquencies had been removed from my credit report. I waited 30 days with Transunion spoke with a Manager by the name of XXXX   XXXX on two different occasion who stated they received the documentation and the he would go away and make the needed the needed corrections. He did and 30 days later they were back on my credit report, I spoke to him again and he stated yes, I have all your documentation and we will go ahead and remove the information again. It has now been over 60 days and I'm still fighting with Transunion to remove the items as they not correct. I spoke with Manager XXXX  at Transunion and he stated he would remove the items again, but I'm getting really frustrated with the fact that each month I have to call and ask them to remove the items as they aren't correct and it's causing me many problems as I am the process of purchasing home. I have worked too hard to keep my credit in good standings and to have inaccurate information reporting is costing me time and money during the home buying process.

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 2020-01-25
Company: U.S. BANCORP
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 rewards from credit card

Complaint:
This complaint regards to the business credit account ending XXXX with the U.S. Bank. This account has been closed by the bank in XX/XX/2019. I have finished the spending requirement to get the signing up bonus points before the closure. I also received a statements after the closure, showing that there are XXXX " Flexpoints '' in my account. I called the bank and was declined access to those points. The Flexpoint is worth XXXX cent per point if redeemed against traveling charge on the card, according to the bank 's rewards term. The bank should unfreeze XXXX points or issue me a check in the value of those points.

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 2023-07-14
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. 
You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law.

You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE ACCOUNT. Please update the account, or inaccurate information, from my file immediately & send me the results to the address listed... 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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2019-12-22
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: PA
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 reviewed my consumer report and find that XXXX funding is still reporting after a cease and desist letter was sent to them on XX/XX/2021. The letter specifies no third party communication. Not only that, the account was deleted and reinserted without notice to me the consumer in writing under 15 USC 1681i ( B ) ( ii ). They also have not given me the right to validate the alleged debt by sending an audit trail for validation.

Company response to consumer: Closed with explanation