BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: CITIBANK, N.A.
State: TX
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:
Citi Bank issued a VISA Credit Card through Best Buy to me a few years ago and they harassed Me constantly with phone calls 7 days a week, several times a day. I told them to stop, then they turned my account over to a debt collection company who took Me to Court and secured a judgement against Me. Their position is for Me to pay the entire bill including late fees, interest and other misc. fees or they will levy a lien against My assets. 
I called them several times and they are impossible to talk with, all they want is money, not interested in solving the problem. 

In these uncertain times, this is No way to treat a XXXX XXXX Vet who is XXXX but still works. I did My best to keep Citibank satisfied with my ability to pay what I could afford, and they went in a direction that now impacts my credit and well being of my assets in My Bank Accounts. This type of activity should not be allowed and I ask the FTC to treat their actions as discriminatory against Veterans with 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 2020-11-14
Company: SYNCHRONY FINANCIAL
State: GA
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:
In XXXX, Synchrony Bank closed my newly opened ( less than one month old ) XXXX XXXX credit card along with my other three credit cards I had open with them. I had accumulated {$420.00} in XXXX credit according to my billing statement. This money was confiscated by Synchrony. I contacted them and was told to contact XXXX XXXX to find out where the money was. XXXX told me Synchrony never sent them the funds to be applied to my account.

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 2017-08-01
Company: Southwest Credit Systems, L.P.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a copy of my credit report to find a collection from Southwest Credit in the amount of {$450.00} on my credit report inXX/XX/XXXX. I immediately disputed it with the three credit bureaus. The debt came back verified. I then requested verification of the debt from Southwest Credit. They sent me a copy of an contract with my name and no signature from me. The contract shows effective date XX/XX/XXXX. Once again there is no signature from me but there 's a signature dated XX/XX/XXXX by the company for a contract dated XX/XX/XXXX. The contract states it is a new owner take over for a contract dated XX/XX/XXXX which was 36 months for the previous owner. I have not signed a contract for XXXX. I did not agree to a 36 month contract. They are illegally committing me to a contract and I know this is against the law when I have not agreed to a contract for some old equipment that did n't work when it stormed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Sterling Infosystems Inc.
State: CA
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: Report provided to employer without your written authorization

Complaint:
After exposing my information in a public manner by faxing it to a third party I contact Sterling Info Systems to withdraw my authorization to perform a background check. They refused to do so stating that only the original employer/requester can do that. This is unacceptable, this is my information that this company is putting at risk and has proven to not be able to handle properly. I am withdrawing and have withdrawn my authorization for them to provide a report to my employer as well as my authorization to continue any additional checks or screening. They have not complied and are continuing to do this work and continuing to distribute my personal information.

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 2018-02-26
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
My student loan reportings negatively affect me because it looks as if I've defaulted on several accounts, when there was only ONE, and that ONE is paid in full. I've satisfied the debt, I'm experiencing the following : - Loan appears multiple times, although only one loan was secured - Some of the student loans report as " Open '' although the balance is " {$0.00} '' and should be " Closed '' - Many payments are incorrectly reporting as current lates The following companies are involved : - XXXX XXXX XXXX ( Listed 4 times ) - XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX  ( Listed one time ) I'd like to buy a home and secure business lines of credit to grow my business, and I can not as a result of these reportings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: The CBE Group, Inc.
State: CA
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 collection agency is reporting someone else 's debt on my credit file and is damaging my credit Collection company name : CBE GROUP INC-FORMER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I used Discover Card to pay for my XXXX  XXXX  done at XXXX XXXX XXXX located in XXXX XXXX, Ca. I thought that this clinic was a legitimate XXXX XXXX, but as it turned out it was only a day spa illegally offering medical treatment such as XXXX, XXXX, XXXX, etc. to unsuspecting customers like me. So, I felt cheated and they deliberately lied to me. They put my health at great risk without any concern. The paper I signed, the treatment I received, the sales receipt were all part of illegal operation. Therefore, I asked for a full refund from Discover Card through charge back. Even though I informed them exactly what happened, they still took the merchant side ignoring the legitimacy of the entire transaction. I thought Discover did not do a thorough investigation. What Discover Card did was encourage businesses to conduct illegal transactions at the expense of innocent consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around XXXX XXXX my phone wallet and Passport were accidentally sent to XXXX on a plane. I was flying from XXXX to XXXX XXXX but somehow my bag was sent to XXXX apparently. My phone was brand new and had not yet been fully setup with Face ID etc. Apparently my phone was hacked into and all my passwords etc were stored on it. My phone and cards were used fraudulently. Which I reported by XX/XX/2020 once I received my new phone. I originally contacted BOA on XX/XX/2020 but becase charges were pending they told me to call back when they posted to start a dispute. Which I did. However whoever I spoke with didnt dispute all the fraud charges they only disputed two of them which caused my dispute to be cancelled because they thought I had made the other purchases which I had not. So I called again to reopen the dispute and was told that was happening however the dispute was never reopened and the charges are being blamed on me despite the fact that I was in the USA. My other credit card companies credit me already and sent new cards. Only Bank of America has tried to find me responsible for these charges which is ridiculous being that Im not even allowed to leave the USA due to Covid 19 so how could I be making charges in another country. They also claimed that because someone had logged into my online banking it must be me. However as I tried to explain to them my phone was stolen and apparently hacked according to XXXX and I did not make any mobile or other transactions. BOA claims I made these charges in the USA which is absolutely absurd because theyre all made in XXXX. About {$3000.00} was stolen from my account. I want it back.

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 2018-06-29
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
A transfer was done from my account through XXXX.my bank is frost bank. They act like they do not want to refund me money. they closed my account opened another one then called me later to tell me that it has to be closed too. They suspect tried to do another transaction which made them lock the account. So now i have to hurry and change my deposit from my employer before they try something again. I want frost bank to refund me my money as they never sent any notification that my bank was doing transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, 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:
On XX/XX/XXXX and XX/XX/2021, 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a loan that I got at once with them On XX/XX/21 ... after a month on XX/XX/21 I did paid my first agreement.. hours after I received a credit alert from 2 credit report companys Checking my credit report account I found that XXXX XXXX pull out 3 times my credit report without any reason and made look that I tried to open diferentes accounts on those dates XX/XX/21. XX/XX/21 XX/XX/21 Ending decrease my credit 100 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 2019-03-18
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX XXXX in XXXX both via phone and email to discuss an erroneous 60 day delinquency report on my credit bureau. I was alerted when my Fico Score dropped over 120 points by XXXX XXXX. I have made numerous attempts to get this resolved with XXXX XXXX but they continue to refuse to correct this error. I pulled copies of all three bureaus and XXXX XXXX went from reporting my account as current in XX/XX/2018 to 60 days delinquent in XX/XX/2018. 

I believe I know the trigger event. On XX/XX/18 I made an online payment for the total account balance. I did not login the following month as I had not made any purchases and had paid my account in full on XX/XX/18, the account showed a zero balance after the payment was made. The account cycle date was XX/XX/18 the statement with the XX/XX/18 does not show the payment I made on XXXX, it is reflected on the XX/XX/18 statement with an XX/XX/18 payment effective date. Although my statement from XX/XX/18 does not reflect my payment it does show a finance charge of {$4.00} which was not on the account when I logged in and paid it earlier in the day, again when I completed my payment my account showed a zero balance. I did not check my account in XXXX I knew I had not made any purchases. During one of the conversation I had with a XXXX XXXX employee she said if had waited until XXXX to make my payment this would never have happened. 

I sent a certified letter requesting the correction to their office in XXXX, OH and received the same response, that there was no error in the reporting. 

I take my credit very seriously and work in banking. This Fico score error is detrimental to my employment abilities not to mention my access to 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 explanation
Consumer complaint received 2018-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have completed three written requests for legal verification of an account with Capital One that has been charged off more than 8 years ago and all of my written requests for a response have gone ignored. They have not complied with my legal requests and my written attempts were sent in XX/XX/2018, XX/XX/2018 and lastly XX/XX/2018 to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 someone hacked into my Chase Bank account, transferred {$1200.00} from my savings into my checking account then via XXXX electronically transferred two payments of {$630.00} and {$830.00} to a person purportedly named " XXXX XXXX ''. I typically check my accounts daily and did so on that day at about XXXX XXXX. I noticed these transactions and immediately changed my passwords and next contacted Chase. The only thing they could do at this point was lock my accounts and I was told to call back the next day. It seems at this point they could have reversed the transactions but by morning the next day it was too late. I proceeded to close this account and open another. They did on the XXXX reverse the transactions and proceed forwarded with an investigation. ON the XXXX I received a message from them that stated these transactions were " processed correctly or were authorized '' and as a result, they will be removing this {$1400.00}. from my account on or later than XX/XX/XXXX and have closed the claim. I on the XXXX called and was it was confirmed by an agent and her supervisor that this is what they would be doing and there is nothing I can do about it. I did not do any of this but they have deemed NO fraud was committed. They have on their record which bank this was paid to but say they can research nor investigate further since their determination is that no fraud was committed. They do have the phone that this money was transferred to but I have called several times and gotten through to voice mail only. I do not know what to do next in recovering my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-14
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment with a representative and the incorrect amount was charged. In stead of XXXX. The amount of XXXX. When I found out about the amount charged to my account and contacted the company they said they would look into it. The company investigated and said the charge was valid. They would not let me listen to the recording of the transaction. I do have another dispute regarding a promotional balance. I was upset and requested a closure of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm filing a complaint about Equifax 's Security Freeze process. I was able to easily put Security Freezes on my and my husband 's credit through XXXX and XXXX, so I know the problem is Equifax and not me. 

The Equifax website is cumbersome and there is no direct link to beginning the Security Freeze process. There is to Equifax 's Lock & Alert, but this is not what I wanted. Once I found how to do the freeze online, the system would not allow me past the Submit button. It just kept swirling and returning me to the captcha. I was able to get through once for one security freeze, but that also ended in an error message for the 'One-Time Only PDF ' so we needed to call. 

Trying through the phone process was even worse. The agents ' accents were too strong to understand and they asked questions for which we needed to look up each answer taking tons of time. We successfully completed the process for me, but not for my husband. I spent no less than 2 hours trying to accomplish this today, whereas neither XXXX or XXXX took more than 15 minutes. And they did not try to push a different product on me such as the Lock & Alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions 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:
You sent me a letter stating that the accounts were verified and accurate, but you said nothing on how the account was verified.You sent me no documents or information that your company relied on to verify the account below. These accounts below have multiple inaccuracies and inconsistencies in the reporting between all 3 credit bureaus. I have pointed them out once again. They needto be reinvestigated and Deleted from my credit report. 

XXXX ( Original Creditor : XXXX XXXX ) This account is a result of identity theft. 
XXXX XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXX XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXXPayment History shows six, 120 day late payments consecutive. Which it is not possible for me to be 120 days late for 7 months in a row. This is not accurate reporting. Action : please remove all from this account and update the account as paid as agreed or Delete. 
XXXX XXXXDate of Last Activity shows different on each bureau which is no possible way to have last activity on three different days for the same account. XXXX shows XX/XX/2015, XXXX shows XX/XX/2015 and Experian shows XX/XX/2015. XXXX : Please Delete Immediately. 

It is your duty, mandated by law, to reinvestigate any dispute sent by consumers. Noneof the furnishers ever provided any proof to methat the accounts listed above was reported 100 % accurate.

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 2019-03-18
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reach out to them the company thew certified mail on XX/XX/XXXX i checked with the US post office web site and the website has informed me that the company has received my communication. I don't know the the collection company i don't have an contract with them i have asked them to provide me with proof of the contract and they have not provide me with this information. 

the dates they have provided me with is XX/XX/XXXX ,XX/XX/XXXX XX/XX/XXXX, XX/XX/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 2018-04-12
Company: EQUIFAX, INC.
State: IA
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 disputed the account on my Equifax credit file XXXX XXXX XXXX {$3800.00} within the last 12 months. This account is not my account. Equifax deleted this account and then put it back on my credit file. I requested by letter that Equifax send me how they came to the resolution that this account is mine. Equifax failed to furnish their evidence and completely have ignored my request. This account was opened in the state of Oklahoma. I have never lived in the state of Oklahoma. I have filed a CFPB complaint against XXXX XXXX XXXX # XXXX. This account is not mine.

Company response to consumer: Closed with explanation