BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-03
Company: Paypal Holdings, Inc
State: CT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX XXXX, 2016 I received a PayPal Credit Card Statement in the mail reflecting a balance of {$100.00} of which {$64.00} were late fees. That evening I called PayPal Credit to understand 1. how this account was opened up, since I never authorized it in the first place and 2. what transaction may have triggered the open of this credit card account. I spoke w/ 6 different PayPal individuals that evening. In summary there was a {$43.00} online transaction in XXXX 2016 which I do take accountability for where I selected the " PayPal '' icon as I would with any online PayPal transaction. Individuals I spoke with said I was " auto enrolled '' in the PayPal Credit Card via that {$43.00} transaction. I have had a regular PayPal account for years which is directly linked to my bank 's checking and credit card account. The PayPal Credit Card account noted above is not linked to my existing PayPal account. In summary, my complaint is that I NEVER authorized the opening of this PayPal Credit Card which currently has {$64.00} in late charges and the attached Statement is the only document I ever received from them. In addition PayPal stated if I do n't pay the ( {$64.00} ) in late fees on a credit card account I NEVER authorized, they would report my non payment of the late fees to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-02
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving several calls and mail from " I.C. System, Inc. '' with regard to an 'equipment balance due ', naming the creditor as XXXX . However, I never had such a charge from XXXX. I moved from XXXX to XXXX but returned my equipment on time and in person and am still a customer of XXXX ( with perfect payment history at that ). How do I stop these calls and ensure my credit file is unaffected? 

The listed account number is XXXX and I.C. System Reference No : XXXX Balance due : {$130.00}

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 explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am reporting this on my own behalf. XXXX, XXXX, and Equifax are reporting incorrect information on my consumer report. 

In accordance to the Fair Credit Reporting Act, 15 US CODE 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) : the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

By law, a creditor may not treat a payment on a credit card account as late for any purpose and since I never gave my express written instructions to furnish this, the late payments on my consumer report are incorrect and have been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
i have submitted multiple disputes to the 3 credit bureaus as well as Capital One and they just come back verified ... how did they all conduct proper investigations when all of most of the information is inconsistent across all 3 bureaus reporting? they didnt conduct a proper investigation ... i am attaching a snip of my 3 bureau report as well as a few of the letters i sent ... .they are in violation and i need this deleted now ... they are reporting different balances, different highh credit, different credit limits, different past dues, it has been re-agaged, and take a look at that inconsistent 2 year history ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to receive phone calls & emails from a Debt Collector for for more than 8 months for a debt that I do not owe. 

I have asked all parties ( XXXX & Transworld Systems ) to stop this illegal harassment considering I do not owe any money to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company keeps reporting on my credit report even after sending a Cease and Desisit order. 
This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2020 chime bank closed my checking account with XXXX remaining funds and my savings account with XXXX in it chime will not send them back to the issuer or to me. They are now saying that they will no longer discuss my account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX sued me back on XXXX XXXX, 2014. I had requested validation from them but never received it as requested. I went to court and represented myself and I had requested validation even then but the lawyers did not produce anything to prove it, they still won a judgement against me. When I had requested proof from XXXX what a did receive was a letter and copies of statements but no contract with my signature. XXXX now has a Lien on our home and emptied out a small bank account. My right to validation under the Consumer Rights Act has been severely violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: TekCollect Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called wanting XXXX $ forwarded them an email from original company demanding debt stating I only owed XXXX $ still calling saying I owe XXXX $ and something now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, Harris & Harris Revenue sent dunning notice of a medical debt. The account was paid in full in XX/XX/XXXX, and funds cleared. 

In XX/XX/XXXX, the same collection appeared on my credit report as open and unpaid. This is unfair debt collection practice since this account is a paid medical collection and should not be reported to the credit bureaus. The continued reporting of this account is a violation to HIPAA and should be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have never received any communication from Aargon Collection Agency about reporting any negative information on my credit report. I found out about this negative item on my credit report as I am in the process of buying a house and this item came up on my report. This debt has not being verified as I have asked and this agency is in clear violation of federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-12-22
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.

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 2015-09-24
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have a credit card with Citi bank and sometimes like to go and pay the credit card bill with cash in person at a local branch in XXXX, CA. I have been informed by the branch that since I do not have a checking/savings account with Citi bank I have to provide my drivers license, social security number and my job description. I was shocked that they told me they can not take a cash payment without all my personal information. I told them they have all that information when the credit card application was filled out in 1996 ( when I first applied for the card ). They said this was a federal law requiring all this information. I bank with other banks and have not had a problem with cash transactions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Transaction issue

Complaint:
My credit card is current. It is significantly below the credit limit. Citibank declined my card for a {$360.00} purchase. I was embarrassed at the store and with the clerk. I had to return home to locate a different credit card and return to the store to complete the purchase. Citibank denied the card was declined. The representative was unable to help me other than deny they declined the purchase, which was a lie.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
I was notified by Citibank that my universal card payment was past due. I never received the statement. I personally visited the nearest Citibank office in XXXX XXXX to request a copy of the statement so that I could review it and make immediate payment. An official at this branch advised me that they did not have access to this information and that I would have to call Citi directly. I called several contact numbers but the only response was that this was an attempt to collect a debt and how would I pay it? I have been unable to contact anyone at either Citi or AT & T Universal Card to request a copy of the statement so that I can review it and make payment 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 monetary relief
Consumer complaint received 2015-08-13
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I regularly deposit paychecks in XXXX XXXX ( XXXX ) into my Citibank bank account. Citibank first deposits the checks as if they had been made out in USD. Then they correct the amount by subtracting the difference. However, they do this before making the deposited amount available. They typically hold an excessive XXXX weeks before making the amount available. Where do the get the money for the difference? They deduct it from the balance already in the checking account, rather than adjusting the deposit amount. This has created an overdraft and left me without my own money on two occasions. Citibank has first refused, then relented, on two occasions, to waive the overdraft fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-12
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I amm complainning about Macy '' s Dep [ artment stores. I opurchase one wimming suit. sale person offer their credit card. So i took therio credit casrd and charged it. after I paid full amount of puchase of swimming suilt. they told me my payment was late and charged late fee of XXXX dollar and interest XXXX i told them I want ot cancell and close ltheir credit card. i do n't want to use their credit card and told them I do not want to business with them. they do not listen to me and keep charge the late fee. and last statement I owe them XXXX cent. please help me to solve this kind of problem. My account number withs them XXXX My day time telephone number si 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 monetary relief
Consumer complaint received 2016-04-18
Company: Receivables Outsourcing, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A XXXX XXXX from a company called Receivables Outsourcing in XXXX MD called my cell phone, announced they were recording ( though Maryland is a 2 party consent state ) and immediately asked for my date of birth and other identifying information. I told him I would not share personal information with an unknown entity who called me and I asked for more information. He would not provide anything except the name of the company and hung up on me. I looked up the phone number and called them back asking that my cell phone number be marked Do Not Call. They cross referenced the number I was calling from and identified me by name but would not agree to remove the cell pohone from their dialer unless I provided personal information. In fact, a representative ( would not identify herself ) continued to lie and say they did n't have my information ( after she referenced my name ) and she would n't be able to remove my cell phone from their dialer. They would not provide information about the supposed debt without me disclosing personal information and I had never received anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affi attatched. Im trying to build my financial stability up while providing during Covid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked them repeatedly to stop contacting me by phone and to do it through email or usps only and they refuse. They scream at me and say they can contact me however. Call numerous times a day from many different numbers from many different states. It's a different number each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a checking account at Citibank. When I wrote a check of {$1000.00} to XXXX XXXX for paying my rent ( for my wife, XXXX XXXX 's rent in XXXX ) on XX/XX/XXXX, somebody named XXXX XXXX, instead of XXXX XXXX, cashed the check to her own Citibank account by wiping out the recipient 's name ( XXXX XXXX ) and put her name on the check. Citibank did not look carefully for the payee authenticity and paid the money to that person ( XXXX XXXX ). 
I filed a clam to Citibank for {$1000.00} on XX/XX/XXXX. Citibank Representative in that office told me that the check was deposited in a Citibank account, i would be easy for them to find the theft since they videotaped every ATM transaction. They would open an investigation and pay me back in 3 months. But The denied my claim on XX/XX/XXXX using the reason that I did not report the case within 30 days from the incident happening. 
If the consumer put his money in that bank and the bank can not make sure that the written check is going to pay the person the account owner put on, there is no safety the bank can provide to the consumer. Citibank only allow 30 days to claim the loss from money theft. That time is too short and consumer can not find out what has happen in such a short time period. The unpaid rent to XXXX XXXX caused a lot of troubles to my whole family including the damage to my wife 's credit record and we are the innocent victims of the bank money stealing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
The situation is hard, because I allowed deposits for my account. The issue is XXXX decided to take cash out of my account instead of my card like I told them. This threw everything off. I am very upset with them and have reported them. I would like to pay you the money as defined and be refunded the check fee. I do not see how I should have to pay that as I have always paid and what I stated NEVER not had funds.

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 2016-07-31
Company: CITIBANK, N.A.
State: ID
Product: Credit card
Issue: Delinquent account

Complaint:
Citi Bank has an automated call system that will harass you unmercifully seven days a week, and as many as six times a day. When I first contacted them to work out some kind of payment arrangement, all I got was a lot of wannabee intimidaters. That did n't fly very well with me. I would like someone to look into this and tell them to stop.

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 2016-01-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX 2015 I received a phone call from the Macy 's fraud department concerning fraudulent charges on my Macy's/XXXX credit card . I told them I did not make the charges and I filled out a fraud complaint/affidavit attesting to this. Since then, they have sent me numerous bills and no follow-up on the fraud complaint. I have not paid any on it, because I was told that would be admitting liability. I have called the fraud department numerous times and they are not willing to help me. Recently, they closed my account and unbeknownst to me, my credit score pummeled. They are now in the midst having a collector contact me. I did not make these fraudulent charges and Macy 's has been aware of this ongoing problem, but were never willing to help me with 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 monetary relief
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there.

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 2016-11-14
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX card was separated from Costco in XX/XX/XXXX. Citi took over the account in XX/XX/XXXX. We had the amounts charged to Citi auto paid. At the end of five months, Citi has taken more money from our account than we owe. by {$680.00}. After more than two and a half hours on the phone with Citi, and XXXX emails, their only response is that we can go over the line items charged, line by line. The question is not what we have charged its that they are not applying the money that has been auto paid to citi. I have documentation of this. They will not accept the documentation. However, they have added erroneous charges to our account. I have taken the auto pay off the account. I have the paper statement now, and the amount Citi says we owe has grown inexplicably. Citi can not explain it either. I would like someone to review our payments, that Citi agrees we have paid, verses the charges that Citi says we still owe. To date, they now owe us {$680.00}. Please 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 explanation