BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My Shop Your Way Mastercard issued by Citi cards has had its credit limit declined twice in 4 months adversely affecting my credit, despite me not having any late payments with the company and paying more than triple the minimum payment due. Every time I make headway in paying down my balance ( which is only {$3500.00} now ) my credit limit is decreased to only hundreds of dollars of what I owe. 

As a result, in both instances, my credit score has been impacted and taken a hit, affecting my ability to refinance my house or make other purchases. 

The first time my credit was decreased was on XX/XX/2019 from {$5000.00} to {$4600.00}. At that time I owed {$4500.00}. The last time was XX/XX/2019, where my credit was decreased to {$3700.00}. After the XXXX instance, I called and was told that if I made payments for 6 months, I could get my credit increased again. This last time, I was told there was nothing they could do. 

The credit was decreased because of a charge off I that was reported and that I am disputing with one credit agency in particular. The credit card issuer in that instance is working with me to fix the situation. However, the person I spoke to at Citi said there was nothing they could do. 

I am considering retaining an attorney because of the damages caused by this situation. I'm sure I'm not the only one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
For the past few months i have been disputed accounts are my report. I have not recieved any letters back about these disputes. NOTHING. I 've been sending letters since XXXX. No updates. Now i know these companies will reply that they need more time but they 've had MORE than enough time to investigate these disputes. Why are these companies not being held liable for violating consumer rights? The following accounts are reporting inaccurate and need to be removed asap or provide me with methods of verification. 
I have XXXX repos. Neither of these companies have furnished me with a notice of redemption/reinstatement or a notice to sale. 
XXXX XXXX is reporting an inaccurate open date. 
XXXX finance is reporting an inaccurate balance. 
XXXX XXXX clearly this company has made a mistake. This account is not mines. I have never done business XXXX XXXX XXXX. 
XXXX XXXX this account is reporting inaccurately. 

It is my right to have EVERYTHING on my credit report reporting 100 % accurately. These credit bureaus have been ignoring my request. It is just disrespectful and a slap the face. These accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
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: Was not notified of investigation status or results

Complaint:
For the past few months i have been disputed accounts are my report. I have not recieved any letters back about these disputes. NOTHING. I 've been sending letters sinceXX/XX/XXXX. No updates. Now i know these companies will reply that they need more time but they 've had MORE than enough time to investigate these disputes. Why are these companies not being held liable for violating consumer rights? The following accounts are reporting inaccurate and need to be removed asap or provide me with methods of verification. 
I have two repos. Neither of these companies have furnished me with a notice of redemption/reinstatement or a notice to sale. 
XXXX XXXX is reporting an inaccurate open date. 
XXXX XXXX is reporting an inaccurate balance. 
XXXX XXXX clearly this company has made a mistake. This account is not mines. I have never done business wth2 XXXX XXXX. 
XXXX XXXX this account is reporting inaccurately. 

It is my right to have EVERYTHING on my credit report reporting 100 % accurately. These credit bureaus have been ignoring my request. It is just disrespectful and a slap the face. These accounts need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I filed a complaint ( XXXX ) with the CFPB as Barclays Miles & More XXXX had incorrectly re-billed me for {$760.00} for a charge from XXXX. I requested three things be done : - This charge be revised - All associated late fees and interest charges be removed - Notification to the credit card agencies that the reported delinquencies be removed On XX/XX/XXXX, Barclays responded saying they admitted mistake on their part, and removed the charge as well as notification to the agency However, even until today, no reversals of the late fees and interest charges has been made, and a balance remains on the account. There should be XXXX balance. 

Attached file shows above from Barclays.

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 2021-07-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Experian Information Solutions Inc.
State: GA
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:
Experian continues to report inaccuarte information on my credit file. There are several student loans that are reporting as late while they were in general forbearance. Every time i dispute these items they say they are verified but with whom? The loan servicer sent me documentation that the loans were in forbearance. They are other loans reporting late that were being consolidated and had a forbearance as well. The loan companies direct me to dispute with the credit agency and the credit agencies wanted me to get the loan agencies to update, Its just so much back and forth. The loan companies appear to have poor record keeping. They buy and sell loans and change owners and it get really confusing and the consumer gets hurt. There is also a bankruptcy on my report that I have disputed and requested validation that keeps coming back verified. The information is incorrect. The agent that I spoke with two days ago stated that there was a variation of my social security number so that may explain somethings. I just dont know. I do know that I am tired of disputing over and over again. I feel helpless and at the mercy of the agency. And the data breech with XXXX has made things so much worse. I had unauthorized inquires and everything. I just do n't know what to do. There is also a XXXX XXXX charge off that I disputed multiple times that I do not believe is accurate. I am sending over all of my documentation so maybe someone will look at it and take me seriously and help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I deposited a check ( check XXXX ) for {$600.00} into my Citibank checking account. As per policy I was allowed to take {$100.00} out on that day. ( I am allowed {$100.00} the day of the deposit, {$200.00} the next day, and the rest on the third day when I deposit a check ). I was surprised on the second day when, expecting {$200.00} to have been released, I went to the grocery store and my card was " not authorized. '' I went online to check my account balance only the area that usually has my account summary was completely blank with no information. I called up Citibank to find out what the problem was and was told that my account had been blocked for ten days because the bank of the writer of the check, XXXX XXXX, had given Citibank a courtesy call to tell them that this check would " possibly '' be returned. I called the person who wrote the check who assured me that the check had been paid and the money taken from his account. I called Citibank again ( Loss Prevention ) and spoke with a very helpful woman who spent some time trying to contact XXXX XXXX to discuss the matter, but she was n't able to reach anyone at the bank. Since then the check writer has contacted his bank, which assured him that the check was paid on the XXXX, the day after I deposited it. I have also viewed the check writer 's online ledger, which shows clearly that the check was paid and the money taken out of his account on the XXXX. My next step tomorrow is to call Citibank again, giving them the name and number of the person to contact at XXXX XXXX. Hopefully, this will solve the problem. But what I do not understand is why, when a check has been deposited and paid, is my account blocked for ten days, including access to my account information online. Even if the check had bounced, which it evidently has not, I could have simply deposited the money to cover the amount that I withdrew. It does n't seem to me that cutting off access to my account information was appropriate in this case. I did not do anything wrong and the problem they thought might possibly be a problem did not even occur. Why am I being punished by the bank?

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 2021-12-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2021, I changed my primary address from my old address to a new address on Chase 's online website. Some time afterwards, Chase apparently changed my billing address back to my old address without informing me, and I am unable to see it on Chase 's website. Later, on XX/XX/XXXX, my spouse changed our billing address, in person, back to the new address. Again, Chase changed the billing address back to the old address without informing us. This time, our payments for our bills were rejected and cancelled back due to the uninformed address change. This includes a {$1700.00} purchase we made on XX/XX/XXXX. We only found out the charge was cancelled on XX/XX/2021, and we called Chase at XXXX XXXX  to inquire about the cancellation. During the call, the Chase representative confirmed that the billing address was changed back to our old address, and that the billing address differed from the primary address associated with our card. This was unknown to us, and we had no way of seeing that our billing address was different. The representative proceeded to inquire if I wanted to change my address, which I declined, and proceeded to transfer me to the web department. I was then notified via email around XXXX XXXX that my address was changed without my consent. When I proceeded to inquire about the change, a new representative stated that it was due to a government agency reaching out to Chase about my address being changed, but this is clearly false given I received the same email as I did on XX/XX/XXXX and XX/XX/XXXX. I concluded that a Chase agent changed my billing address without my permission and without my visibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Southern Management Systems Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a lease signed at XXXX ( XXXX XXXX XXXX XXXX, XXXX AZ XXXX ) for a year and after the lease term ended, I was falsely charged for an amount of {$230.00} for Damages and repairs. This charge is partially incorrect because they charged me for a missing bathroom door which I think was the largest portion of the charge and I have documents to support my claim which can be found attached below. The company also never provided me with an itemized list of the damages giving me an estimate and directly charged me. When I reached out to them they rarely replied to me and if they did it wasn't a satisfactory reply. I also sent them an email saying I would go to small court about it, and they agreed to remove it. But unfortunately the charge was never removed and was sent to debt collections and I had to pay the whole amount in total and my co-signer received a red flag in his credit file. I was forced to pay this amount from my tuition fees and it was really difficult as a student to pay this false claim which was not even true. Could we potentially settle this out?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
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:
my personal information was used to obtain student loans and i had no knowlege my personal information was lost before however i did know unti last year that some one had been using my identity and its been crazy trying to proove im who i say i am ever since i need help getting these 4 accounts  removed from my 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 non-monetary relief
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX Account # XXXX and Security finance account # XXXX have violated my rights. 

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 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 2017-07-05
Company: Experian Information Solutions Inc.
State: GA
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:
There are XXXX accounts reported by XXXX XXXX XXXX on my credit report ( s ). <P/>Totaling {$3000.00} and {$500.00} each. <P/>The original creditor reported to the credit files is XXXX XXXX XXXX. <P/>I do not have nor have I ever done business with a company named XXXX XXXX XXXX. <P/>When I contacted XXXX XXXX XXXX they said the company was XXXX XXXX XXXX. <P/>When I attempted to contact XXXX XXXX XXXX I discovered they were no longer in business and the current staff does not have any contact info for them. <P/>XXXX XXXX is no longer in business and any claim asserted by them is null. <P/>I have no way to dispute any alleged charges of have a point of contact with XXXX XXXX to get to the bottom of the charges they claim. <P/>All XXXX was willing to do was tell me " That 's what they say you owe. '' This is not a legitimate debt and and it is libelous what they are doing to my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
For the past few months i have been disputed accounts are my report. I have not recieved any letters back about these disputes. NOTHING. I 've been sending letters since XXXX. No updates. Now i know these companies will reply that they need more time but they 've had MORE than enough time to investigate these disputes. Why are these companies not being held liable for violating consumer rights? The following accounts are reporting inaccurate and need to be removed asap or provide me with methods of verification. 
I have two repos. Neither of these companies have furnished me with a notice of redemption/reinstatement or a notice to sale. 
XXXX XXXX is reporting an inaccurate open date. 
XXXX XXXX is reporting an inaccurate balance. 
XXXX XXXX clearly this company has made a mistake. This account is not mines. I have never done business XXXX XXXX XXXX. 
XXXX XXXX this account is reporting inaccurately. 

It is my right to have EVERYTHING on my credit report reporting 100 % accurately. These credit bureaus have been ignoring my request. It is just disrespectful and a slap the face. These accounts need to be removed.

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 2021-06-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I was to receive a wire transfer on XX/XX/XXXX from XXXX to my chase account in the XXXX. The sending bank sent my name, address associated with my account and account number, except they made a mistake and sent one number off. Instead of ending in XXXX they typed in XXXX. The foreign bank was notified of the error and sent a request for call back on XXXX, they provided proof of their request. Chase Bank says they have not received this request. They also have credited the money to a different account despite the fact that the name and address did not correspond with the account number. They failed to follow their fiduciary duty of validating the transfer information before processing. They also are not helpful, I have called many times only to get different answers. I filled a formal complaint with them and they said they can not guarantee they will resolve the issue. They continue to state that the sending bank needs to send them a recall however they were sent one and the foreign bank says they can not send another. Chase was offered a copy of the recall but refused. They are aware the account they credited the transfer to does not match the other information provided but so far have refused to help, even after a formal complaint was filed. I told them on XX/XX/XXXX that I would have to file a complaint with the regulating agency and given the time it has taken already I decided to try to get a resolution to no avail, I have decided to fill out this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: SYNCHRONY FINANCIAL
State: MT
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 didnt make this credit inquiries. This is affecting my credit scores. This is a mistake. Please investigate this and erase this from my credit report. I called all this companies and they didnt solve the problem INQUIRIES : 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX  XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4.XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. 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 non-monetary relief
Consumer complaint received 2017-09-27
Company: CITIBANK, N.A.
State: MT
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 didnt make this credit inquiries. This is affecting my credit scores. This is a mistake. Please investigate this and erase this from my credit report. I called all this companies and they didnt solve the problem INQUIRIES : 1. Cbna/sears Inquiry XXXX/XXXX/XXXX 2. XXXX  XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4.XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. 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