BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is in regards to 2 related issues from the same incident : My Fifth Third ( Secured Credit ) Account ( Ending in XXXX ) was closed due to non-payment of the monthly credit card fee. When I first started the account, I put up {$300.00} as a Security Deposit. The account was maxed out at XXXX before it was closed. The non-payment was the result of my recent income loss. Now that I'm working again, I made an attempt to set up a payment plan to pay off the amount owed in response to a XX/XX/2022 letter I received from the bank. I made the call on XX/XX/2022 : ( XXXX ) but noticed right before making the call that the letter claims I owed a balance of " {$390.00} which includes late charges and/or fees of {$40.00} '' however, this amount is incorrect as it doesn't account for the {$300.00} security deposit that was swallowed by Fifth Third when the account closed. That would mean the true amount owed would be closer to {$93.00}. 

( XXXX ) The second issue was that I was unable to get in contact with the bank in order to pay off this debt. On XX/XX/2022 I attempted to call the number from the letter I received : ( XXXX ) XXXX XXXX whole hours before closing. I got in contact with the collections representative who would ask for my information and then hang up the phone while I was providing this information or right after. I called back 3-4 times reaching different agents and each time they'd hang up the phone before I could verify my account & the amount owed. The fact that this happened across several representatives and in the same manner indicated to me that this wasn't a personal/professional issue with the representative but some sort of policy to disconnect the call. The only reason I could assume it is to stave off the payback of the debt for as long as possible while additional interest fees and late charges can accrue. If so, this is highly unethical. I live in New York currently, and as such, I am unable to walk into a Fifth Third location in order to pay the debt off. I would mail in a check or money order but have not received any steps to do this from Fifth Third.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Synergetic Communication Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter with XXXX collection agency names on it. " SYNERGETIC COMMUNICATION , Inc. " and " XXXX XXXX XXXX, XXXX '' showing a debt that I do not owe from " XXXXXXXX XXXX ''. Please remove this from your records as this is not a valid debt. Both the business 's that the debt was aquired from made errors and were fraudalently handled by a phone team of social justice warriors who kept me on hold and never did have the correct amounts. I filed complaints then with attorney and oversite agencies. It was supposed to be dismissed. Farthermore I am inpacted by a natural disaster. Please the statute of limitations is also up on this. The entire fair debt collection practices act was stifled by the original companies vengeful tribal phone team. I saved call recordings and records. But now i have these shady creditors still contacting me at an address thats not even accurate. I want this updated immediately. This is not a valid debt on many levels. Please remove and update all 3 credit agencies as well. Please also provide me a letter stating that the negative reporting has been removed. Not a valid debt. Thank your phone team. Please do this avoid other agency complaints as well as counter suit for such. Please do all this and respond in writing as i can not speak on the phone due to a XXXX. Hurrican Ian is impacting 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 2021-09-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I applied for the American Express XXXX XXXX XXXX card. I was denied with the following explanation : * Your XXXX Small Business Blended Credit Score ( see below ) * Based on your credit report, you have too many requests for credit, as reported by XXXX XXXX XXXX XXXX. 
* Length of time accounts have been established. ( XXXX XXXX ) * The number of accounts with high balances in relation to their credit limits or original loan amounts. ( XXXX  ) My business was new, so I could understand a decision based off of that and would have accepted that as the only point. The issue is with the remaining information ; that the information that they based their decision off of was not my information, and American Express refused to rectify the situation by looking into it properly. 

First point, yes the business is a day or two old, so I understand this. 
Second point, it was my second hard pull for credit in 2 years on my XXXX  and XXXX  reports. 
Third point, 1.5 years average might or might not make a difference, though my oldest 2 cards are 2 years 5 months and 1 year 8 months, with my third and most recent 4 months old. 
Fourth point, I have {$32000.00} in total credit ( because the automatic credit limit increase isn't seen on this report yet by XXXX, the total available credit across 3 cards ( XXXX XXXX branded American Express card included is {$29000.00} ) with a total reported usage of {$1200.00}. 

Additionally they included : * Too few non-derogatory sources of information on record for you. 
* You have degrogatory public records associated with you. 

According to them, I have public records on my credit report with XXXX. This is inaccurate, and I was told to contact XXXX. I did. XXXX  told me that there wasn't any public records on my account, and I was told to contact American Express again, and then I was pointed at XXXX  again. Unfortunately in this case, no one is willing to take responsibility, nor are they willing to put the effort in. 

I have ensured that I have paid all of my accounts on time because credit is important. I have never missed a payment with these accounts, and it's absurd and defamatory that American Express would suggest otherwise!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Messerli & Kramer P.A.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been paying on a debt but my car got totalled and I'm struggling to find a job that works with my XXXX XXXX. I have been unsuccessful so far. It's been about 6 weeks now. I have contacted the company several times to update them on my situation and have told them twice to stop calling me. Now they're using phone number masking, so they're showing up as " restricted '', " unavailable '', and " unknown ''. Just today ( XXXX ) I have received 11 phone calls from " restricted '', " unknown '', and " unavailable '' between XXXX and XXXX. They have me on a recorded line telling them that I do not answer unknown phone calls and I asked for the number they'd call me from so I could add it to my contacts. They have used around 30 different phone numbers in the last month. I am sick of the harassment. They haven't responded to any of my attempts to contact them. XXXX XXXX is the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
my credit score dropped XXXX XXXX on XX/XX/22 due to my balance decreasing isnt this false tell me why my scoe went down or is it punishment on your part for me complaining

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 2022-10-23
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal asked me to show the address verification and I provided them a document and later they emailed me that your verification is successfully completed and limitations has removed. But the problem is My account is still limited. I can not send, receive or withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company was paid half upfront but never completed work that was agreed to. I'd like a refund for my deposit of the {$600.00} paid for nothing. The agreement was to evaluate and provide requirement for a wall that was XXXX tall. Instead they provide concurrence that existing wall at XXXX ' was acceptable. Multiple contacts with company said they would correct mistake but I the end all they did was ask for funds. Complete loss of funds and had to deconstruct wall in the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 I had my XXXX XXXX loan for {$23000.00} deposited into my Citibank checking account. Citibank immediately froze my account and I was told by their fraud department that they will have to investigate the funds. After about 2 months they closed all my accounts and said they will return the money to XXXX. It has been over a year now and XXXX has not received the funds back. My loan is still active and I'm due to start making payments on it. I've called Citibank XXXX XXXX XXXX and spent hours at a time trying to get someone to help me figure out why they haven't returned the money and to provide something in writing that shows why and where my loan funds went. They refuse to do so and most of the time the representatives just hang up on me after spending almost 2 hours at a time on the phone. Their call center is outsourced and it is very hard to understand and communicate with their agents and they are very unhelpful. They keep telling me they will need to talk to someone in the " back office '' and they transfer me there but either they hang up or I would just be on hold for hours without anyone answering my call. I went into the branch and they also have to call the same number and go through the same process customers do so going into a branch was no help at all. Please help me get my loan returned back to XXXX. I don't want to be stuck paying a loan for 30 years that Citibank stole from 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 2022-10-23
Company: EQUIFAX, INC.
State: CA
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 account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX # XXXX Open XX/XX/XXXX and Paid Off XX/XX/XXXX company sent Tile I Traded car to XXXX XXXX XXXX 4 months later company place account back on repost as late pay or closed or paid in full or charge off 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : Also States a consumers reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : No Consumers reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crimes which antedates the report by more than seven years 15 USC 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
So I was checking my bank account and now there is a {$200.00} withdraw Debit memo!!!! How did that happen I thought this was resolved and for some reason {$200.00} was taken out!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
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 and 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I received a letter from Bank of America which stated that I had two claims that had been resolved in my favor and deposits were permanently added to my account, the claim amounts were {$3600.00} and {$70.00} for the other, I contacted B of A because I had not had such deposits into my account. For almost 2 hours the rep tried to find a coinciding credit associated with the claim they not only could not refer me to such credit that was in reference to this claim... they then attempted to tell me that this claim was paid back to me in increments over a unknown time period, yet even then they could not combine all credits to reach said amount. This is in reference to claims that were involved in the EDD pandemic payments. I believe it is obivious from this letter dated on XX/XX/XXXX of 2022 they are attempting to avoid what they have been court oredered to pay to customers affected by the edd pandemic account issues by claiming these credits were already paid this is an attempt to subvert paying out on the claims!

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 2022-10-23
Company: EQUIFAX, INC.
State: NJ
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 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: GOLDMAN SACHS BANK USA
State: MN
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:
Apple Card illegally charged me for something I didnt buy. 
After complaints were filed with the CFPB the outcomes said XXXX, company response But the illegal charges and balance remain in my card/account. 
I demand Apple Card to show me what I buy with the card. Is it too much to ask?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, I noticed a fraudulent money transfer from my checking account at Chase Bank for {$400.00} to a company/entity referred to as : " My Love # # # # # # # # # # XXXX ''. I did not authorize or make this money transfer. I filed a claim with Chase Bank. The Chase Bank representative advised me to go into my local branch and discuss with them what I should do further. I was told at the branch to change my account number, my username, and password, which I did. I was also told that the {$400.00} was put back into my account and all was taken care of. I received a letter posted XX/XX/2023, that an investigation had been initiated regarding my claim. I received another letter posted XX/XX/2023, that my claim had been investigated and it was determined that I had made the money transfer myself and on my device. I called the Chase Bank claims department again and after speaking to a supervisor, was told that a new investigation would be started and that I would learn of its outcome within XXXX - XXXX business days. I called back today, XX/XX/2023, and was told that there were no grounds to re-investigate my claim and that I had made the money transfer and it was made on my device. During my research regarding this situation, I discovered that banks can only keep {$50.00} of a fraudulent money transfer and that it is only possible, if I had taken over 60 days to report the the claim. I did not take over 60 days to report the claim. I am XXXX, elderly, and a shut-in. I do all of my banking online with Chase Bank. No one else has access to my account or my computer. Either Chase is cheating me or I have been hacked. Either way, I did not make or authorize this money transfer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: SCA Collections, Inc.
State: GA
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:
SCA COLLECTIONS XXXX -- - XXXX XXXX XXXX DATE OPENED- XX/XX/2022 DATE UPDATED- XX/XX/2022 AMOUNT- {$100.00} ACTIONS TAKEN BY COLLECTIONS - XXXX negative reports on my credit report, that are impacting my XXXX XXXX negatively, and all of this being done as a VIOLATION of my rights. No medical bill should be reported on my credit report if it is below {$500.00}, furthermore if I have not signed a contract allowing them access to my medical information. 

ACTIONS TAKEN BY ME- Dispute was filed ( date is not exact ) 6-7 weeks ago.

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 2022-10-23
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Inaccurate personal information still being reported after Equifax response confirming the accurate information is being reported. Complaint ID : XXXX ( 1 ) Inaccurate Name Reporting : Please see attached : My Equifax online report. 
( 2 ) Inaccurate Name Reporting : Please attached : Hard Copy response mailed from Equifax which name is different form online report. 
( 3 ) Inaccurate Address Reporting : Mail being sent to old address : Please see attached Hard Copy response mailed from Equifax Online My Equifax Personal Information ( 4 ) Inaccurate Employer Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Chime Financial Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've had chime for XXXX now and I signed up for their credit builder card thinking it would boost my credit. It wasn't til I looked at my credit account that I saw that chime is now saying I OWE THEM almost 900 $ WHEN IVE NEVER BORROWED ANYTHING FROM THEM! Yet on my credit report it says I'm in the whole by XXXX XXXX I've called and canceled the credit builder account, but I told them I'm not paying something back that I NEVER borrowed. I'm always putting money INTO THE ACCOUNT. So how am I negative?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I need Synchrony to STOP pulling my credit. My credit score has taken a serious downward turn because of the numerous inquiries from Synchrony Bank. 

My score has dropped XXXX points due Synchrony keeps pulling my credit report over and over. 

I have ( XXXX ) credit card accounts with Synchrony Bank and they have continued to pull my credit. 

They have done nothing but ruined my Credit systemically. One account at a time taking the rest of my credit with it. This bank is the absolute worst. They lowered my credit limit on 3 of my credit cards without notice and never responded to my inquiry as of WHY. Ive been making monthly payments and have never been past due. Theyre worthless and dont communicate.

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