BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: CITIBANK, N.A.
State: KS
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: Card was charged for something you did not purchase with the card

Complaint:
I applied for and received a Citibank double cash credit card. On Saturday, XX/XX/2021 I was having difficulty setting up and using the Citibank online site. A phone number was provided by the site for assistance. I called the number, and a representative asked multiple questions about the account and about my information. He then said that he was going to generate a 12 digit number and I was to call a phone number he gave me and give them this number to fix my account. I called, and a prerecorded message about a mental health facility came on. I hung up. I then was notified that a charge of {$0.00} was added to my credit card from a XXXX  site. I had not incurred this charge and filed a dispute. I then called the phone number on my credit card to verify that the original number I called from the website was a legitimate Citibank number. I was told that the original number I called was indeed a Citibank call center. However, the agent told me that the other phone number the agent had me call was not a Citibank number, and she also told me that the twelve digit number was not something citi bank did. I knew at this point that the original agent had set me up for a scam. The new agent on the phone closed my current card and reissued me a new card with a different number. I was advised that the new card would arrive today by XXXX, and that this should solve the problem. However, this morning ( XX/XX/2021 ) I got an email notice that a charge of {$2.00} from XXXX XXXX XXXX, XXXX  Mn was made on my account ending in XXXX. My old credit card was a different number. I have not even received the new card, let alone activated it. I called Citibank and was told, that this charge was a recurring charge and was therefore transferred from my old card to the new card. So obviously getting a new card was going to do nothing to prevent this fraud from continuing. I told the agent that I wanted to close the account permanently. She indicated that because this was a new account and wasnt completely set up yet, that she couldnt close the account. She asked that I call back on Thursday to close the account. I asked to speak to her supervisor. He confirmed what she was saying. So I told him I would not activate the new card, and I went online and locked it. I also related to him how all of this transpired after the first call to the citi agent about the website. I told him Citibank has a problem if they have scammers in their call centers. He said they would investigate. I think that Citibank has some very serious issues in their credit division.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a FRAUDULENT item ( XXXXXXXX XXXX XXXXXXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.

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 2022-07-28
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Chime Financial Inc
State: PA
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:
XX/XX/2022 {$120.00} Chime refuses to do anything. Ive put XXXX appeals in. 

There is thousands of people with the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit 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:
When traveling an obvious fraudulent purchase was place on my Chase credit card from a store for over XXXX XXXX. When I disputed the charges Chase sided with the merchant who provided a receipt with my " signature '' which was transposed from an XXXX and even had a print out that was suppose to be from me with my own name mispelled. Chase also never sent me notifications that a purchase was ever made ( unlike every other puchase that is made from that card. ) Called the merchant and chase XXXX multiple times and the charges were never revsersed. Again this was a single purchase of cosmetics for over XXXX XXXXXXXX for product that I did not buy. 

XXXX XXXX is a Merchant scam. But Chase should stand behind their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Americas Car-Mart, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Car Mart sold this account or transferred this account to Colonial Finance. I was a cosigner on this account. The vehicle was purchased at the XXXX XXXX XXXX. That location has been known for its shady practices. When I originally went in my kids father was already there and called me up there because they needed my income since he didnt make enough money is what they advised him, the sales rep advised they just needed my information because my kids dad did not make enough money, they never explained they were adding me on the loan as a cosigner until it was time to sign papers. They added seasonal fees into the loan, something I never heard of before was an extra {$400.00} added on to his original payment that would need to be paid twice a year. The vehicle gave him so many issues that they refused to fix and advised he had to pay out of pocket along with still making his car payment even though the vehicle was not in running condition. When me and him split up he ended up taking the vehicle back to them which they sold at auction. They sent him a notice for court for the vehicle but never garnished his wages for it. Once I found out it was on my credit report, I called and requested proof of how much they sold the vehicle for at auction but all I got was the run around and they never sent the information to me. I spoke with the supervisor XXXX who advised me over the phone the vehicle was sold at auction for {$500.00}, the date it was sold was not provided and still, she never sent me proof in writing how much the vehicle sold for. Instead she offered me a settlement on the account for {$1500.00}. At the time I did not have the money to pay that. Months later I contacted her back and offered {$1200.00} to settle the account because I was speaking with a lender to purchase a home for me and my kids and they advised me the account had to be paid first so I contacted her back and set up a day to pay it and it was paid by me on XX/XX/2021. I did not know about credit at that time but now have found at they violated FCRA laws by not providing me with documentation when I requested it. That location has so many complaints on XXXX and nothing has been done about their shady practices. I would like this account removed from the credit bureaus since they failed to provide me with proper documentation when I asked for it and the fact the manager advised via phone once I paid the agreed settlement on this account the account would be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Recovery Agency ( XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX ( XXXX ) has repeatedly contacted me for a debt that is not mine, i have requested by phone and by written letter to prove that this is my obligation. The company refuses to acknowledge that i am the owner of the debt and have yet to bear any information to the case. I have requested more than once to cease communications and have sent a Cease and desist letter as well. I Still am contacted daily either through calls or texts.

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 2022-11-30
Company: International Computer Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried validating this debt with First Collection Services ( acct # XXXX ). According to the Fair Credit Reporting Act, they are required by federal law to verify, through the physical verification of the original signed consumer contract. This company failed to present this information and is still reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Collection agency XXXX XXXX XXXX reported a fraudulent debt to the credit bureaus saying I was 120 days past due on a debt I knew Nothing about until my bank told me my credit score had declined by XXXX points. I called XXXX  - spoke to XXXX XXXX today XX/XX/XXXX, at XXXX who wanted the account number that I never had and then said to investigate me I had to prove it wasn't mine. Then she said the original debt was from XXXX, and could I prove I didn't live in XXXX then. I have never lived in XXXX, I have been at my XXXX address since XXXX. I have had second houses in XXXX and XXXX, never XXXX. Then she said the investigation would take 60 days but they would never tell me what happened because I said reporting it to the credit bureaus without contacting me first lacked due process and was harassment. I have been the victim of identity theft, so all three credit reports are frozen

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 2022-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
on XX/XX/2022 I made a {$7.00} purchase on my phone. I was charged {$7.00}, but I was also charged {$32.00}. Capital One sent me a text saying : Hi, its Capital One. Did you just try to make this purchase with your Bass Pro Shops CLUB card ending in XXXX? 
INTERESTING GRIT TABLE DECLINED {$32.00} Text back yes or no to protect your account. 
I TEXTED BACK NO So Capital One Declined the " purchase '' or charge, and so did I. Then Capital One sent me another text saying : Lets take care of this right away. We temporarily stopped youre the use of your card to help keep your account safe. Now lets report any purchases you didnt authorize ( including this one ), and then well send you a new card. FYI, any unauthorized charges will remain on your account until you report them and get a new card. I reported it and we cancelled my card and they sent me another one. I did not make the {$32.00} purchase so it was to be taken off my card. I get my new card and bill and it's still on, I call them. The next month the charge is still on the bill. They tell me it's not fraud, as I received the purchase. Yes, the company sent me XXXX XXXX of lotion which I did not order. I called the Merchant and they would not give me their address to send it back. They said I needed to have a 3-way conversation with them and Capital One. I called Cap. One to arrange that, and the woman said she never heard of that, but would do it. Nothing came of that conversation. It went back into dispute, and is still on the bill. Cap.One sent me a questionnaire to fill out. I did. Every time I call them, they say they need more information, I ask what do you need? They tell me the questionnaire, which I sent them already, to call the merchant, which I did along with the 3-way call, to send them more information. They said the merchant sent the item, so now I have to pay for it... BUT I DIDN'T ORDER IT AND THEY WILL NOT TAKE IT BACK! We keep going in circles, as I've sent them every document and questionnaire they've asked for. I sent them a copy of the texts they sent me. Now it is 4 months later, and the charge is still on the credit card, and they've added fees and interest. I am over XXXX and every time I see their bill or email, or interest and fees, my XXXXXXXX XXXX XXXX XXXX and I lXXXX XXXX XXXX XXXX. My credit rating is XXXX and I told them that they are going to ruin my credit for nothing. I don't know what else to do! Please help! I attached 1 letter they sent me with their case # on it and the merchant name, but do have the other documents which I can not upload at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: FL
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 was practicing my consumer rights and I sent them a money order to disburse the debt and they told me they couldnt expect the payment and they sent it back, then gave me a bunch of late payment reports on my credit witch is now effecting my credit and is stopping from being able to live.

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was practicing my consumer rights and I sent them a money order to disburse the debt and they told me they couldnt expect the payment and they sent it back, then gave me a bunch of late payment reports on my credit witch is now effecting my credit and is stopping from being able to live.

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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-25
Company: Experian Information Solutions Inc.
State: LA
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. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX. ACCOUNT # XXXX XXXX XXXX XXXX. ACCOUNT # XXXX XXXX  XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX U.S. DEPARTMENT OF EDU XXXX ACCOUNT # XXXX U.S. DEPARTMENT OF EDU. ACCOUNT # XXXX U.S. DEPARTMENT OF EDU. ACCOUNT # XXXX U.S. DEPARTMENT OF EDU. ACCOUNT # XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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