BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: VALLEY NATIONAL BANCORP
State: NJ
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 am the victim of an altered check deposited with XXXX XXXX XXXX and drawn on Valley Bank. I am seeking reimbursement in the amount of {$9200.00}. On XX/XX/2022 I wrote a check payable to XXXX XXXX XXXXXXXX in the amount of {$6200.00}. The check was drawn my checking account with Valley Bank. The duplicate check, indicating the payee was XXXX XXXX XXXXXXXX and the amount was {$6200.00}, is attached. The check was mailed to XXXX XXXX  XXXX. On XX/XX/2022 I became aware that the check was stolen and altered without my consent or knowledge. The payee name was changed to XXXX XXXX and the amount changed to {$9200.00} ( attached ). I then contacted Valley and completed the attached Affidavit of Unauthorized Activity ( attached ). On XX/XX/2022 Valley, having learned that the altered check was deposited into a XXXX XXXX XXXX  account, requested reimbursement ( attached ). The check was clearly altered and forged. The payee XXXX XXXX was not entitled to payment. As depository bank XXXX XXXX is strictly liable for conversion of this stolen and forged check. As payee bank, Valley Bank is liable for an unauthorized charge to my checking account. I have requested reimbursement from XXXX XXXXXXXX XXXX and Valley Bank but they refuse to reimburse me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had my Macy 's store card for several years now. Overall I have made payments on time. I may have been late 3-4 times but to cut my limit down without notice when I had to order a new card without warming is unprofessional. They did not reach out nor send notice. I went to make my monthly payment and noticed on this card the limit was cut. This is the second time this has happened. I notice that my counterparts have been late making payments in their accounts and have similar credit issues but their limits were not cut or reduced. When the limit is cut upon making payments this effects the interest rate as well as the utilization score for my overall credit. I don't appreciate the way my account has been handled and feel discrimated against as well as my civil rights violated. Treatment within credit cards should be the same across the board. Not based on where I live or other financial demographics when I am making timely payments not past a 30 day late period or even a past a 7 day period. 

I will provide card statements via email upon further communication should the company refuse to do so. Due to the secure nature I'd have log out to download the statements and upload. I am unable to do that as I submit this complaint currently. 

I've had issues with CitiBank before. When my Citi XXXX preferred secured card account expired the company gave me a {$200.00} credit card limit. I paid on time but when the card when up for expiration the company said I requested my account to be closed and I did not. When I spoke with an agent the company said I did not meet the criteria to renew my account. I never received notice prior to my account closing nor an email. I'll follow-up with another report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Frontline Asset Strategies, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Consumer Financial Protection Bureau, I need your help in correcting a bogus XXXX XXXX bill that is negatively impacting my credit. 

I received an alert on my phone that my XXXX credit score had dropped by nearly 50 points. I then checked my XXXX credit report and noticed that Frontline Asset Strategies Collections agency placed a XXXX XXXX bill to my account in error in the amount of XXXX dollars. 

So, I called and informed the Frontline Asset Strategies call representative that I paid my final XXXX  bill in XX/XX/2021 in store in the amount of {$90.00}, at which time my account with XXXX was closed and phone number was transferred to another provider. 

The call representative said my address is XXXX XXXX XXXX XXXX which is not a place where I have ever lived or resided. 

I have contacted XXXX who expressed my account shows a XXXX balance, this is an error and is a signficant concern. 

I have an excellent payment history and do not owe XXXX as my final payment was made to them on XX/XX/2021. 

Thank you for the amazing work you do each day!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Hello, Toward the beginning of the year ( 2023 ) I made a large purchase ( {$35000.00} ) toward a service provider on my business credit card, to which the service was never fulfilled due to internal issues on their end. After much back and forth with the merchant, they eventually agreed to not fight a chargeback on the payment, if I were to submit one through my credit card company ( Citizens Bank ). 

Once this was established, I went ahead and filed a dispute against the charge made. I have even sent over all the necessary info Citizen 's Bank Claims Department needed, including a screenshot of the email to which the merchant claims, in writing, that they will not contest the chargeback and let the full refund go through. 

It has been two months since I provided this information to the claims department, and I have not heard anything from them since. I have tried calling Citizens Bank multiple times, to which they explain they can not contact the claims department directly, and that the case still appears to be under " Pending '', however, it is long past the typical time it takes for a case like this to be resolved. 

I have also tried emailing the claims department email directly " XXXX '', to which I have gotten no response. 

I have even contacted the merchant to which the dispute is being filed against, and they have not heard a single thing from the claims department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: First Technology Federal Credit Union
State: WA
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 ordered a Conure ( bird ) on their website XXXX XXXX XXXX  for {$550.00} on XX/XX/2023. There is no credit card payment, just XXXX, XXXX XXXX  was the payment method. I was suspicious when I saw that. But still went ahead and payed on XXXX via my bank. Once I paid, they asked for additional {$200.00} for shipping, which I refused to pay as I already sensed scam, they agreed to ship the bird with delivery date as next day. The next day XX/XX/2023, they say the bird is shipped and are asking {$1000.00} for insurance again on XXXX  or XXXX XXXX, this time from some fake shipping company. I stopped paying {$1000.00} and now I lost all the money with no refund and no bird

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I purchased an item from the company website XXXX XXXX XXXX at the end of the payment, the website took me to PayPal to make the payments as personal funds. where I paid the amount. Later I realized this website is a scam and they using PayPal to scam and fraud people. I reached out to the PayPal mentioning the problems and provided all the evidence. Paypal said you send the money as personal funds so we can not do anything and they closed the case. Later I reached out again and mentioned the person using PayPal and still continued to scam the people can you please mention what kind of investigation Paypal did and what actions they took on the account? Paypal is so lazy they said we closed the case and they did not give any information about what exactly Did. 

Later I followed up with my Credit card company and explained the situation and disputed the transaction. My financial institution did the investigation and provided the details, where my financial institution provided the proof that shows the XXXX company seller completely provided the fraud documents that I made different purchases. I provided these proofs to PayPal and I mentioned that This person is scamming people. Paypal did not do anything and The person still continued to scam the people using PayPal. I am so disappointed that PayPal did not provide any update on what actions they took they are so careless and they didn't even verify and check my financial institution investigation and read the seller 's response where the seller used PayPal completely falsified the information. 

Date of Transaction XXXX XXXXXX/XX/2022, Transaction id : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX the company used for money transfer : Paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: NC
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 act XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX  account XXXX, XXXX  XXXX account XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared on my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES 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 2022-09-22
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared on my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES 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 2023-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I called Capitol One about reversing a membership fee the woman said the only way to do it would be to change to a no fee card I said fine she transferred me I chose my no fee card and told her about reversing the fee she said she couldn't I asked for a manager he said he couldn't I explained to him that I was lied to he said he couldn't do anything I told him I wanted to close the account since this is unprofessional for any company to lie to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX have been reporting inaccurate information on my credit report. 
My XXXX Account # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX  # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX # XXXX was charged off as of ( XX/XX/XXXX ). 
My XXXX XXXX XXXX XXXXXXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has been reporting inaccurate information on my credit report : My XXXX Account was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX  was charged off as of ( XXXX OF FIRST CHARGE OFF ). 
My XXXX  XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX XXXX XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 

Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has been reporting inaccurate information XXXX my credit report : My XXXX XXXX XXXX XXXX ( Charge off date XXXX, XXXX ). 
My XXXX XXXX XXXX XXXXXXXX ( Charge Off date XXXX, XXXX ). 
My XXXX # XXXX ( Charge Off date XXXX, XXXX My XXXX XXXX XXXX XXXXXXXX ( Charge Off date XX/XX/XXXX. 
Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Below are the cases # that Citizens Bank has neglected to reimburse me. 

These were all wire transfers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XXXX I traveled to JC Penny to pay {$1000.00} towards my {$1400.00} balance. 
I was so excited that I was finally making progress towards paying my credit card off. The clerk was happy for me as well, after making the {$1000.00} cash payment I left JC Penny feeling happy. It was after I checked my email that day that my smile vanished in an instance. That email was from Synchrony Bank whom I've filed a complaint against in 2014. This recent email stated I had not paid my JC Penny credit card and that I was being charged a late fee. Livid I immediately contacted Synchrony bank, I was given the runaround by several agents. I was told the {$1000.00} payment went towards my Master Card. I was shocked to say the least because I never applied for any Master Card with JC Penny. Synchrony bank opened a Master Card in my name without my permission. As a former victim of Identity theft I am very, very hurt by Synchrony banks action. This situation has caused me a tremendous amount of stress. it is my opinion that I am being discriminated against because of my race. I am very, very hurt by the discriminatory business practices by Synchrony bank, I would like this company to be investigated for stealing my identity and opening up a Master Card without my knowledge. I want answers

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 2022-07-29
Company: EQUIFAX, 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:
In accordance with the Credit Reporting act XXXX Account XXXX 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 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX Original Creditor : acct XXXX XXXX XXXX XXXX acct XXXX 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 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A fraudulent application for a credit card was submitted by someone else under my name. It was for Capital One and I did not apply for the card. I also do not have any current accounts with the institution. 

I received official letters to complete the application process online but I never applied in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have a loan with XXXX Bank. On XX/XX/2022, my debit card that was on file to make monthly automatic payments was compromised due to suspicious activity. As a result, I was issued a temporary debit card and a permanent debit card from my personal bank within a one-month timespan. Because my automatic payments could not be made with my initial debit card, I received an email from XXXX Bank notifying me to update my payment information. I immediately updated my card information with the temporary card in XXXX and the permanent card in XXXX. XXXX Bank refused to charge my card ( s ) the day I updated my payment information. As a result, there were XXXX missed payments that appeared on my credit report and my excellent credit score dropped by XXXX points. 

I would like to report that XXXX Bank intentionally did not take out the amounts I owed in XX/XX/2022 and XX/XX/2022 and as a result, my credit score has plummeted. 

I was put in contact with XXXX XXXX from the Office of the Chairman who admitted that there was wrongdoing on XXXX Bank 's part but will not correct the issue. It is extremely deceptive to email consumers to their update payment information, but not indicate that a payment will not be made immediately. XXXX took my feedback to improve future communication with customers on her end ; however, refuses to resolve the issue that has impacted me. 

Ive filed complaints with the Consumer Protection Finance Bureau and saw other consumers who were in a similar situation who had this issue resolved. XXXX Bank is not a consumer-friendly bank, but rather a collection agency. The company asks customers to put a credit card on file as opposed to the account number of a banking account to take out automatic payments for a loan. This is a malicious way to conduct business. There are customers whose debit cards may expire, be compromised, etc. and they are unable to make a payment due to no fault of their own. XXXX Bank intentionally wants to destroy the health of consumers credit with their misleading practices. 

Furthermore, there is nothing in the terms and conditions that states that a payment will not be processed the day that a consumer updates their payment information. I've asked numerous times for the terms and conditions that shows that a payment will not be processed as soon as a customer updates their payment information. My request continues to be ignored. 

Please see email attached that shows the lack of clarity for when a payment will be made once a consumer updates their payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted the following companies numerous times XXXX, XXXX, and Experian regarding the wrongful posting of inaccurate personal information. Both have inaccurate home addresses and phone numbers where people have fraudulently used my name and associated my name with addresses and numbers that are not mine. I have requested proof neither company sent any proof though just stated it has been confirmed the fraudulent address are mine even though I filed identity theft and this is noted on my credit reports though the companies refuse to remove the inaccurate addresses and phone numbers.

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