BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2022 I signed up for the XXXX XXXX XXXX program with XXXX XXXX XXXX. I was advised by XXXX  XXXX  to send and email to Upgrade to stop my auto draft. I sent the email to Upgrade on XX/XX/XXXX. On XX/XX/XXXX Upgrade drafted {$230.00} from my checking account. My wife contacted Upgrade ( on a recorded line ) and was advised that yes auto pay had been turned off and she initiated the refund process. Again I sent an email requesting that auto pay not happen in the future. The refund was denied. On XX/XX/XXXX another payment was run on my account and this time it left me with a negative balance of {$180.00}. Again my wife reached out to Upgrade ( again on a recorded line ) and was advised that I did not have auto pay turned off. The representative read a disclaimer stating that auto pay would stop as of XX/XX/XXXX. My wife requested that the auto pay stop be backdated to XX/XX/XXXX and the representative stated she could not ( would not ) do that. I have contacted my financial institution and started a Fraud charge case, and in the next week I will be closing my checking account. Multiple questions- why would I call about auto pay if it was active? why do I need to close my checking account to prevent this from happening again? and why did I have to initiate stop auto pay on XX/XX/XXXX when it was already stopped?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent a letter requesting verification of a debt that was posted on my created report. This is a debt that I am very unfamiliar with and it randomly popped up on my credit report. I sent the company a letter to request verification over 30 days ago and today is XX/XX/2021. I demand this account to be deleted off of my credit report because this investigation took longer than 30 days, and according to the Fair Credit Reporting Act if the company does not respond the account must be deleted from the consumers credit report. If the company does not remove this debt from my credit report asap I will be forced to file for litigation against all who are responsible for reporting this inaccurate and unverifiable information 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 2023-08-08
Company: EQUIFAX, INC.
State: AR
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 have demanded the agencies be remove these accounts from my credit report. That I did give permission to be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I asked the credit bureau to do a verification of everything on my credit report, and they say that they did and stated that everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. In accordance with the fair credit reporting act convergent account Experian has violated my XXXXights..with a BK on my report 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2020-01-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my credit report a card is listed that is not mine. I contacted Citi-Bank and they do not have a card issued under my social. 

It says the card was opened in 2005. 
I am refinancing and the payment of {$33.00} is showing late. This is not my card. 
I am trying to refinance my home can you please help? EXPO/CB is the Card referenced on the credit report. See below : cid : 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 2023-07-29
Company: Chime Financial Inc
State: OH
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:
On XX/XX/2023. A purchase of XXXX was made to a company by the name is XXXX XXXX XXXX XXXX using my chime debit card. After waiting for weeks and the merchandise wasnt received, I reached out to the merchant in regards to a cancellation, but received no response. I started a dispute process with Chime due to not receiving the merchandise, and Chime continues to deny my claim, saying that the order is authorized, even though I sent them supporting documentation to show that the items purchased were never received, and the merchant has not responded or provided a refund. I have filed a claim with Chime 6 times, and each time that I have requested supporting documentation to show why my claims were denied, I wasnt provided anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I could not log into my experian account at all till yesterday and I come to find out that there was another address put on there XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX which I never lived in. The only places I've lived is XXXX XXXX XXXX, XXXX XXXX, ca XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX and XXXX XXXX XXXX, XXXX XXXX, ca XXXX. I also seen a bunch of inquiries on my experian which I did not do but I will put in the complaint for it.

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 2021-06-23
Company: Bread Financial Holdings, Inc.
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: Reporting company used your report improperly

Complaint:
I sent a letter to Comenity Bank for an unauthorized inquiry to my consumer report ; demand {$1000.00} settlement. XX/XX/XXXX it was delivered to Comenity Bank and sent to my address XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed these accounts on XX/XX/2020. It has been over 60 days and I havent received anything from the credit bureaus. I always thought the credit bureaus had to complete an investigation within 30 days. Clearly its been longer than 30 days and the bureaus are ignoring me. According to 611 ( a ) failure to complete an investigation within 30 days is grounds for automatic deletion. It has been well over 30 days in my case. These accounts should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a high yield savings account on XXXX with citibank and they debited my account for $ XXXX. I called on XX/XX/2020 to activate my debit card and was told that my account was being closed due to fraud and to call XXXX ( XXXX XXXX ) to obtain details for negative activity. I called the number 3 times over the course of an hour and NO ONE answered. i called citibank and told them I wasn't getting a response and they said there was nothing they could do. I asked when I would get my $ XXXX back and they told me between 30-60 days, and that is unacceptable especially when you took the money a couple of days after opening the account and I expect the same expediency in returning my money. They told me the decision to close my account was final and would not be reversed even though I haven't done anything wrong. So I'm writing this complaint to get my money back and dispute their closure of my account. They're basically stealing/withholding my money for 2 months putting me in financial hardship.

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 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi checking account on XX/XX/XXXX. The bonus term is to make a deposit of {$15000.00} for 3 months and I will get XXXX Citi Thank You points. I have contacted Citi customer service multiple times on XXXX, XXXX and XXXX and they have confirmed that I have fulfilled the terms for the bonus. They have confirmed that I should be getting my bonus at the latest on XX/XX/XXXX. But there is no bonus.

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 2023-02-11
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
If you look at my credit file from this creditor the balance was paid on XX/XX/2022. XXXX continued to charge interest on a {$0.00} balance. I made the final payments, account was showing as closed. when I disputed, they randomly re-reported the account as opened in XXXX and charged fees from {$0.00} up to {$270.00} dollars, reported it as 6 months past due, and the charged off this account. This has greatly and negatively affected my credit report on a huge error. 
XX/XX/2022 - {$750.00} balance paid in full XX/XX/2022 - {$2.00} balance, paid because I guess outstanding interest. 
XX/XX/2022 - {$4.00} balance, this should not exist, why after 2 months after payoff I being charged at all? 
XX/XX/2022 - {$11.00} balance, this should not exist, why after 3 months after payoff I being charged at all? 
XX/XX/2022 - {$24.00} balance, account now shows as closed no credit reporting for 6 months after this. 
XX/XX/2022 - {$270.00} balance, {$270.00} of which is fees is now shown and shown as 6 months past due. This is entirely predatory to charge {$270.00} on a {$2.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank is 5/3 in XXXX, Ohio. At the close of the year, XX/XX/2021 I noticed pending withdrawals had been placed on my checking account. I immediately visited two branches the branch at XXXX XXXX, XXXX, Ohio, and spoke with XXXX XXXX about the issue. She allegedly froze the account. I then continued to notice a third and fourth withdrawal was placed against my account. I again visited the XXXX XXXX branch and spoke with XXXX XXXX. She allegedly filed a dispute regarding the matter. 
I also followed up with phone calls with the bank in which I spoke to several bank agents attempting to resolve the illegal withdrawals over the phone. I received a letter in the mail informing me the most recent withdrawal has been denied. I called to question why the denial and the only explanation I could get was according to their policy I did not file a dispute within a 24 hour period of the withdrawal. I strongly disagree with that charge, because I phoned consistently and visited two branches regarding this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I normally receive a paper statement for this account via U.S. Mail. I did not receive XXXX statement. When I realized that this statement never arrived I immediately contacted the bank and made this monthly payment. I was assured by the representative that I spoke with that no late payment would be charged and that a late would not appear on my credit report. I was not aware that there was a late until I obtained the most recent copy of my credit report. This inaccurate reporting of a late is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this removed however, I have not been successful.

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 2020-01-14
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
New Issue There are fraudulent charges remaining on the Nordstrom is high have not been removed. The account needs to be deleted or suppressed from my credit profile immediately due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: OH
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 submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
Here are the accounts : XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX XXXX : {$980.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: JPMORGAN CHASE & CO.
State: NY
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:
In late XX/XX/2019 I've managed to purchase XXXX XXXX XXXX XXXX  headphones at XXXX. After I've unboxed I've discovered that left ear was defective and it wasn't charging, nor playing music, while right one was working fine. I've vocalized my concern to XXXX customer support over the phone and been provided with return label altogether with return form. The item has been returned to XXXX facility in XXXX, KY, nevertheless I didn't see a refund posted back to my account. 

Please, consider all supported documents attached such as a copy of return form, return label, ups tracking information and proof of delivery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
Here are the accounts : XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXXXXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00}

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1.. 
DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

2..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

3..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

4..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

5..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

6..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

7..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

8..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

9..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

10..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

11..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

12..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

13..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

14..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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