BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-24
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with XXXX XXXX. A type of service through them was added to my account with out my knowledge or permission. When I did not pay them for this service they added late charges to the amount and have recorded my account over 30 days late on my credti report.

I never keep a balance on the account and when I last used it for purchases those were paid in full.

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 2019-10-12
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax failed to provide me with my free copy of my annual credit report as required by law. I sent a written request on XX/XX/XXXX 2019 and attached a copy of my final divorce order reflecting a name change, driver 's license with my current address and a new name, and a copy of social security card. 

On XXXX XXXX, 2019 Equifax sent me a letter, indicating that they are supposedly unable to locate my file with the information I've provided and re-requested the same information. I thought that was odd because they clearly had my credit file when it was breached in XXXX, compromising my personal information! 

I sent another letter on XX/XX/XXXX, 2019, and again provided copies of final divorce order, driver 's license and social security card. On XX/XX/XXXX, 2019, Equifax, again denied my request for the same reason. 

I was also denied the ability to make the request online and was not able to get to a live person while trying to navigate through their telephone system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: STERLING JEWELERS, INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
i was first contacted by an in office employee and had asked for a debt valadation proof, either by email or regular mail, when i asked who this is she went into a tirate about i should hve paid my bill on time and it would have never came down to this, now i am being contacted by a so called mgr claming to be a rep for the orignail creditor being called during my work hours, messages saying im being sued by them when they have yet to prove who they are or the debt that they say i owe

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
Please see attached documentation. 

My complaint is for XXXX XXXX XXXX XXXX and all 3 Credit Agencies. I have been trying to resolve a known issue with incorrect " Past Due/Payment History '' that XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. XXXX XXXX agreed that the Past Due/Payment History is wrong, and that they would correct it. 

Since XX/XX/2020, I have documented repeated attempts to get my credit history corrected. It is XX/XX/2020, and still do not have my Credit Reports corrected. 

BEWARE of 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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-10-08
Company: CITY NATIONAL BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I used my City National Bank award points to redeem for toal {$600.00} on two City National Visa Gift Card on XX/XX/2020. Order Confirmation Number : XXXX. that, I called CNB reward customers servers to ask my order to check my order status and shipping information. The agent told me they can not check my order status since my credit card was canceled, but they can see my order was being processing. 

Since Covid-19, I left United Stated in XXXX and return in XXXX. I checked my mailbox and didn't see the City National bank gift card. I called City National Bank rewards department and agent told me they can't track my orders and asked me to call City National Bank customer Services. I called City National Bank customer Services, but agent told me that I should contact City National Bank Rewards department. Back and forth, I called too many times to City National Bank customer Services and City National Bank Rewards development. Finally, one agent promised she will help me to check the status and call me back in two days, and she gave me a reference number # XXXX but after week, I called City National Bank customer Services to query my case, but was told my case was closed and asked me to City National Bank Rewards development. I called again and again, finally one agent help me to talk with her supervisor and told me will call me back in two days. 

I received a email from City National Bank Rewards development today and was told my Visa gift card was delivered on XX/XX/2020 and has been used. 

I never received those two Visa gift card. I asked for shipping tracking information in XXXX, but CNB didn't give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2019-10-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I received an offer in the attachment. But the banker refused to open this account for me because I am not a permanent resident, even though there is no such requirement in the term.

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 2019-10-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I had fraudulent charges on my credit card account back in XX/XX/2017. I reported it as fraud. It shows fraudulent on the bank statement, but the issue apparently wasnt resolved like I was lead to believe. Due to this still being on my account the bank which is Bank of America reported this account to the credit bureaus as a charge off. Ive contacted the bank regarding this as well as the credit bureaus. One of the credit bureaus fixed it in their system but experian is stating that Bank of America is telling them not to remove the wrong information. When I try to contact Bank of America regarding this I cant reach anyone about it instead Im transferred for 2 to 3 hours back and forth having to explain the whole situation every time to the different departments. This has happen multiple times. They refuse to make this right and keep giving me the run around.

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 2019-01-18
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have told XXXX XXXX before that what ever information they have that causes them to try amd collect payments a few months early is wrong yet they refuse to fix the issue. I will not make payments a few months early, I owe for XXXX of 2018 and if they want me to pay, they will remove how ever many payments and late fees that did not start in XXXX of 2018 then send me a bill in the mail. Also, I re-entered school part-time this week so according to the law, my loan should be in deferment. The school I am taking classes at is XXXX XXXX College.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI
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:
Hello, I received a promotion for a 18 month zero percent for balance transfers from USAA, the fee was {$200.00}. I transferred my balance on XX/XX/XXXX and then I started seeing {$300.00} dollar interest charges at the end of the month. I called to inquire and they stated the promotion on my card had expired on XX/XX/XXXX ( the day before I called ), but there was a promotion for another card that I was approved for and was on my account when I called, but I had to specifically specify that I wanted to transfer the balance to this other card. They reviewed my call and acknowledged I did discuss the 0 % promotion with the representative, but since the rep stated a disclosure, I had no recourse. So, I was charged {$200.00} for a transfer fee, then 17.9 % interest compounded over 50 days, with no recourse, refunds or anything. I was completely scammed! I then asked why was the transfer then put under a " cash advance '' that had no repayment grace period, but rather a daily interest referral, and I was told this was customary. I asked for a refund and they refused. I saw this has happened to quite a few people when I researched USAA online. I was saddened that this was USAA of all companies, no integrity or honor, both of which the service taught me! They may be within legal parameters, but what they did was immoral and unethical. I lost over {$700.00} to their scam, around the holidays no less.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
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: Personal information incorrect

Complaint:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX. XXXX my SS is XXXX, my DOB is XXXX the following addresses are not accurate please remove/delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2020-09-21
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/20 I called Chase Business Services to see if there was a way to get my payoff lowered or reduce my payments/interest rate. I was told that it would adversely affect my credit score if I settled on a payoff less then the amount owed. I then asked if there would be any additional charges if I just paid the card off and the answer was no. So on XX/XX/20 the card was paid in full. I then received a bill on XX/XX/20 for {$73.00} as an interest charge on {$0.00}. I called Chase business service about this and they responded that the interest is a month behind. In this way of doing business how would the card ever get paid off? They will continue to charge interest on the interest each month even though the card is paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-12
Company: NCB Management Services Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to pay the company but they refused payment and locked up their website and turned account over to collection agency. I tried calling the company to arrange payment rep told me to call back they would hang up the phone I would call on numerous occasions only to never get anyone and website locked up not accepting any payment. I tried on many occasions to pay this company it locked up and would not take a payment. It was as if they deliberately wanted to send my account to a collection agency. The company is ruining people credit by locking up the account online where the customer can not pay the bill as it is agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: McCarthy, Burgess & Wolff, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
McCarthy, Burgess & Wolff has called, emailed and sent me letters for weeks to collect a debt that was paid. I've repeatedly asked them for documentation supporting their collections efforts. In response they have sent me the same invoice from XXXX several times that shows paid in full with {$0.00} due. I've pointed this out several times in emails and voicemail messages that this invoice is marked paid in full, but they keep sending me the same paid invoice. I also provided proof that I paid this invoice in 2017. Today they put my name on a collection letter for a debt owed by a company I've never heard of ( XXXX ) and have nothing to do with - completely different from the paid invoice they've been sending me. No one responds directly to the issues raised in my emails or voicemails. They just keep sending the same form letter and paid invoice - until today when they sent me a completely random debt owed by someone else. I'm concerned they will report something to the credit bureaus that I'll have to battle for the next 10 years.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
There were two account that showed up on my XXXX  credit report that were opened on XX/XX/2019. I saw them on credit report starting XX/XX/2019. Both of these account are of Bank of America. I called XXXX to dispute these accounts ( around   XX/XX/XXXX ). The representative told me that I have to contact Bank of America. I called Bank of America, and was told that I do not exist in their system. They couldn't find anything under my name and SSN. Thus, I went back to XXXX and disputed it using their online dispute services on XX/XX/XXXX. On XX/XX/XXXX, XXXX responded saying that Bank of America has certified these accounts and they will stay on my credit report. 
I contacted Bank of America and was treated rudely by their representative, because she couldn't find any account under my name, while XX/XX/XXXX is showing two account that I never opened. 
None of these companies are trying to help me resolve these, as both of them are referring me to each other for dispute these activities. 
One account has balance of {$1500.00} with credit limit of {$14000.00} Second account has balance of {$1900.00} with {$5500.00} credit limit. 
Because of these activities my credit score went down 11 points. 

Also, there is a wrong address showing up on my report, which is reported by Bank of America. I tried to dispute that, but XX/XX/XXXX is not removing it from my report as well. Other two credit bureaus, ( XX/XX/XXXX and XX/XX/XXXX ) has none of these information on their credit reports.

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 2019-01-18
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX Credit Reporting Agency and/or it's attorney ( s ) Consumer Litigation Associates, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. 

In the year of XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX Credit Limit between $ XXXX and $ XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XXXX ) In the year of XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, DE XXXX Date ( s ) of final payments : XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX  XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX. XXXX   XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of  final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX Credit Card XXXX XXXX. XXXX  XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA 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 2019-07-11
Company: WELLS FARGO & COMPANY
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account with Wells Fargo Bank. I have direct deposit of my pension check with the Bank. I have repeatedly asked the Bank that if there are insufficient funds in the account that the Bank decline any request for payment. The bank knows that there are insufficient funds in the account, but it goes ahead and pays any request and then charges the account {$35.00} for each request it pays. I am retired and ion a fixed income. By the time the next pension check is deposited, it has taken the whole check.

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 2021-12-01
Company: EQUIFAX, INC.
State: IL
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Experian Information Solutions 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:
Court ordered to refinance because of a divorce. My ex wifes history of late payments makes my ability to purchase a house impossible.

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