BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-15
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I spoken to discover many times and I ask then to help me out since I 'm still experiencing a hardship financially on my minimum payments. 
I ca n't afford the minimum payment is to high. I ca n't not pay XXXX and up its to much 5 months ago discover enrolled me in a plan which help reduce the interest rate lowered as low as 9 % or 7 % or lower. I was told that if after the 5 or 6 months they gave me if I was still struggling and if my emergency and financial situation was the same that I could contact discover back to enroll for another 6 month or 1 year depending on the offer they can get me. I am very upset because discover denied me the help I need. I need help now. My intention and priority is to pay all My statement balance in a period of time little by little but having just the minimum payment been high it is difficult for me and ca n't afford that payment and interest at this time. I wish my payments was as low as 30.00 to 40.00 each month like the 5 month or 6 I was only paying XXXX It was very helpful. 

I was also promise no late fees and u was also promise no interest charges for the 6 or 5 months but I did got interest charges fees and I told discover why if they promise to wave those 6 month or 5 of no interest charges on purchases but they still did. My account did n't changed much because they lied on not charging .e the purchase interest charges that is why it did n't lowered .Y balance as I have a XXXX payment rhe interest purchase charge was 35 to 45.00 so not a big change. This is approximately. 
I feel rejected and I feel left behind moments like this is wen I need help the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I opened up a Macy 's Credit Card. I was making my payments on time. In XX/XX/XXXX I filed for Chapter XXXX Bankruptcy and it was discharged.The credit Card was included in the bankruptcy. For some reason, the Macy 's credit card was still reporting on my credit report just recently and is affecting my credit score because it shows up as an inquiry/derogatory. 

I hired a 3rd party company to try and dispute this. They reached out to Macy 's but all 1st Macy 's did was update it rather than delete it off my credit report. I would like this removed off my credit report so that it does not report on my credit report anymore.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 all these credit inquiries on my report and I do not recall any of them. I have sent letters and nothing has been done or youve been placed a fraud alert. I also went to the police department of paperwork as well. Here is a list of all the credit inquiries. 

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 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 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 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 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 2023-06-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I deposited a check from XXXX XXXX Treasury dept.for the sum of {$4200.00} chase bank said my funds would be available in 7 days as soon as my funds were avalible chase bank closed my account an put all of my funds in suspension. After the check cleared an Chase banks recieved the funds. They will not release the funds to me because chase bank said they can not varefiy the check .they will not call the number that is posted on the check to varifiy it an they do not have the correct phone number in there data base to varifiy the check according to chase bank . I went in person to the creator of the check to get them to just void the check an make me a new check .Which they agreed to do, they checked there bank that the check was made out to .Chase bank had already processed the check an recieved my funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account had {$0.00} balance briefly for only 3 days ( non XXXX for all other 2+ months, see attached ) and Wells Fargo closed my account, without any prior notification in any form. My average account balance has been positive the entire time ( average balance over statement period is what most banks use from what I've seen ) and I have been having it as my salary direct deposit account. I believe they just want to avoid issuing my account opening bonus of {$400.00} which I have satisfied all requirements so far ( > {$3000.00} direct deposit within 150 days and positive average balance ). Please see the screenshots attached of multiple communication efforts with the company without success and the account history.

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 2022-11-28
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My Experian account has been hacked, the email address was changed. The hacker has removed my credit freeze which was protecting me. Calling their XXXX does not have any option to help regain account access or even speak to a support representative. The result is that I no longer have any way to access my account or regain control from the hacker. 

The result of this breach is that I have been contacted by XXXX XXXX and XXXX regarding new cards that have been requested without my authorization, consent or knowledge. I was able to deny these requests once XXXX XXXX and XXXX contacted me, but I am still vulnerable due to this Experian account hack and their inadequate automated contact options. Experian account security is weak and once someone has hijacked your account there does not seem to be any reasonable and XXXX  way to regain control of the account. Help please!

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 2023-06-26
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I owe nothing to XXXX XXXX XXXX. 
The apartment was provided and returned in squalid conditions and the apartment manager did not show up for nor respond to any communications for the move out. 

Additionally, they did not show up for the lawsuit which detailed their negligence of the property which includes certified reports of Asbestos, which they worsened by illegally drilling into my bathroom walls and leaving substances exposed. 

Same for Black mold, Oil Spills which went without clean up for weeks, and the list goes on. 

This is an illegal debt collection attempt on behalf of both XXXX and Hunter Warfield.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-02
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Click n' Close, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We paid our mortgage every month on time through bill pay. They changed companies and we never got a letter so they didnt get that payment until the bank re funded it to us and we sent it in immediately. Then they charged us a late fee because they payments change in the middle of the year but never informed us on the bill. We have since paid all of the late fees when they finally decided to call us to let us know we were {$20.00} short on a bill and so they charged a ridiculous late fee. And here we are with a bad credit now because they put it on our credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ERC collection agency removed a debt from XXXX XXXX XXXX and then reported it again as new. The 7 years would be this year and it would have automatically been removed. Now it started all over. XXXX XXXX XXXX said they didn't receive their equipment but I mailed it back and I was told by a customer service rep that this happens all the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account was originally XXXX and account was sold to XXXX. I called XXXX XXXX  and directly paid with with them for the amount of {$370.00} on XX/XX/2023 @ XXXX XXXX. this account needs to be changed to " paid in full '' and closed immediately and removed off all three credit bureaus. 

The account should have been taken out of collections and been paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In accordance with 15 U.S. Code 1693f ( a ), CHIME was presented with written notice that I, the consumer, believed that an error occurred when an Electronic Funds Transfer from XXXX from XXXX XXXX XXXX was returned back to the Sender. The alleged discrepancy that caused the rejection was the name on the deposit did not match the name on the account, when the names in fact did match. CHIME was abusive and deceiving in this nature causing tremendous amounts of stress to get this error corrected. CHIME used fraudulent practices to return my deposit and many others who were in a similar situation of using CHIME as my primary bank for all deposits of income of self employment. CHIME has never rejected a deposit to my account due to it being a business transaction, in fact I am sole proprietor all business transactions are conducted in my name and deposited into this account. Withstanding, the Sender of the Electronic Funds Transfer has successfully initiated several prior Electronic Funds Transfers into my account without rejection or verification. CHIME was abusive and unfair in choosing to reject this such a large deposit of crucial funding during a time of uncertainty and economic stress. This abuse has left me with little trust in CHIME and its illegal and fraudulent practices. I'm afraid to deposit funds into this account as CHIME has shown me that they are not reliable and are above the law, with their illegal actions and lack rightful concern handling consumer complaints and transactions. CHIME after numerous written notifications from the consumer continued the acts of abuse causing severe mental anguish and anxiety about that fate of my Electronic Funds Transfer. CHIME has yet to investigate my claim of their error. It is now 43 days since the error occurred Chime was directed numerous times by the consumer and notified that they are liable for damage and given instructions to correct the error and credit the account in accordance with 15 U.S. Code 1693f ( b ) Instead, I was misled in the procedures of retrieving my Electronic Funds Transfer. CHIME insisted there was nothing more for them to do and that I must refer to the depositor to resolve CHIMEs illegal practices of willful negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has Violated my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section it also states a consumer reporting can not Furnish an account without my written XXXX. 

15 USC 1666 B ; A Creditor may not Treat a payment on a credit card and open-end Consumer credit plan as Late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EOS Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter about a debt on XX/XX/2018. I sent the company a letter asking to verify the debt. The did not reply. I received a similar letter on XX/XX/2018. I sent them a second letter asking to verify the debt. They did not reply. I received a third letter from the last week and am not sure what to do. They have not replied to my letters asking to verify. They just keep sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 had a XXXX XXXX account closed and completely removed from transaction. A few months later it was put back on my credit report with a new start date. I wasnt given any type of 5 day notice of reinserting, section 6-11 of fair credit. I also for some reason have child support as a job & thats not correct. I also have numerous inquiries that arent attached to any files on my credit that I needed removed. The lady XXXX XXXX stated she cant help me in any way possible but she can delete the incorrect job info.

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 2022-12-03
Company: CAPITAL ONE FINANCIAL 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:
15 USC Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
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:
Inquires are showing up my account that I never signed up for or applied for. I wrote XXXX, XXXX and Experian and never heard back about this issue. I have proof of my letter sent via certified mail. This is impacting my score and I never applied for anything with any of these companies. I would like these removed. 


XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : 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 2018-07-26
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter on XX/XX/XXXX from National Credit Systems. Its was dated XX/XX/XXXX. The letter stated that they regret to inform me that I had failed to make suitable payment arrangements regarding the debt, which name of creditor was listed on document. And account Is being reported to our credit bureaus. I called the company on XX/XX/XXXX. I gave them verbal notice that I disputed the validity of this debt. I requested Verification of debt and an itemized billing statement for this account. XX/XX/XXXX I received an email from national credit services. With an attached statement showing total amount and description as move out ready. Was not a detailed description of these charges. I contacted the company on XX/XX/XXXX thats a message asking for an Itemized statement and description of all charges. To date I have not received any Verification of this debt. They reported me to all three credit bureaus on XX/XX/XXXX showing this debt was unpaid. XX/XX/XXXX I contacted national credit systems again and spoke to a supervisor. She states that they can report it to the credit bureaus but the description must say disputed. As of XX/XX/XXXX, My reports do not show this debt as disputed. I submitted a dispute to each Bureau independently. I informed the supervisor of this. She tell me goodbye and have a nice day. And hung up the phone. I had verbally informed the company of the dispute and I have submitted a letter via mail to this company informing them of this dispute but I did not receive an initial dispute letter from them.

Company response to consumer: Closed with explanation