BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a member of the XXXX XXXX XXXX who was called to XXXX XXXX for a XXXX to XXXX on XXXX XX/XX/2019. I took my orders into the Navy Federal Branch in XXXX for an interest rate reduction for my credit card ans car loan with them. The lady took my orders and claimed she sent them over. It is now XXXX and I am still waiting for my interest rate reduction. I have contacted them numerous times, sent emails and messages via their website. I keep getting told they are back logged and they will retroactively adjust the payment. That is not the purpose of the act. I am supposed to receive an immediate interest rate reduction, which typically means a reduction in payment amount due to making less money when called to XXXX XXXX. This bank is supposed to cater to military members and they are the only business that has given me the run around. They claim they are backlogged by at least 6 months, which means many military members and their families are effected by this. I have had to use morale calls and free time to try and correct this, at times at the expense of my safety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: GA
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 continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit 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 2021-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a XXXX XXXX  and XXXX XXXX My father died in XXXX and I missed a payment for which I was led to believe an auto pay had been set. Unfortunately, no email and mailed notifications were sent to me about the payment not being processed. 

I reached out to kohls with a request to remove the late payment but to no avail. 
I even disputed this item and nothing happened. 
Ive included my XXXX XXXX which you can look up at the XXXX XXXX XXXX XXXX XXXX 
Ive also included my fathers obituary. 

I've had an excellent payment history, I've always paid on time. I think we can continue to have good relations. 

Im requesting that the late payment for XX/XX/XXXX be removed from my credit report This is my account : Capital One /Kohl . Ac # XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Account status : Open Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had {$900.00} dollars in my Cash App account that I did a transfer for on XXXX at XXXX to my bank account. I did not do the transfer immediateIy since that was going to cost extra. I thought once I did the transfer the money would be safe. I have the face ID as well as the pin number confirmation on my account for transfers. I got a notification from my bank that someone was trying to cash app themself money and I declined the transaction. I went on my account and someone had changed the name, the email, removed my phone number and did an instant transfer from my account to the MasterCard for the money that was pending deposit. this occurred on XXXX at XXXXThey did an investigation and on XXXXdetermined there was fraud on my account and asked that I make a new account, send them the information and I would be reimbursed. I have emailed them multiple times and have not gotten a response since that email asking for my new info. The only was to contact them is through the app via email

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2016-12-09
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: Rewards

Complaint:
I applied for the Chase XXXX XXXX credit card which was opened on XXXX XXXX. As part of this account opening I was to receive a {$300.00} travel credit for each calendar year which must be included on in your last billing cycle for that year. On XXXX XXXX and XXXX I made travel related purchases to ensure I received the full benefit. Chase decided to only reimburse me for the purchase on the XXXX informing me they has predetermined my close date would be the XXXX. This was not documented anywhere on the opening credit card documentation, and was not available to me on their website. I was not informed of this close date until after my purchases had been made resulting in a loss of {$130.00}. Considering the card has a {$450.00} annual fee this was not desirable. When I called to report, Chase agreed with me that the information was not published online or in my opening documents but would not reimburse me saying their system did not allow for them to correct this and that they would be doing nothing else to correct my situation. It was very disappointing how they acknowledged their own system limitations but were not willing to address the situation to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
I had a balance owe on my AMEX in XXXX XXXX. I paid the {$220.00} due through the phone. XXXX XXXX the statement came back saying I owed this amount plus late fees and interest. I told AMEX that I paid off the amount and sent them a copy of my bank statement with the withdrawal. AMEX stated this was not good enough. I called XXXX, my banker, and three way the call in so myself AMEX and XXXX rep was on the phone and this was not good enough to clear up the matter. When asked what would help to clear the matter the only thing AMEX keeps saying is to send the statement and have XXXX contact us. XXXX even sent a letter of confirming the issue. My credit is ruined and I can not find a place to live and I can not clear up this matter on my own. I contacted a lawyer and he stated I should contact the credit bureau first. 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
Consumer complaint received 2015-12-03
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Late fee

Complaint:
In XXXX or XXXX of 2015 Macy 's changed their credit card from a XXXX to an XXXX card. At the time, we had the XXXX card set up on our Bill Pay system. As our use of this card is occasional and only used at Macy 's, we depended on the Bill Pay process and paid when notified a bill was due. When the account changed to XXXX, apparently the bill pay information did not transfer. This would have been OK, assuming that they notified us via email or with a paper statement that an amount was due. Last night, our card was declined at Macy 's and we were informed that we were overdue and owed {$480.00} dollars, including late fees and finance charges of {$120.00}! When we called, we were offered a relief of {$38.00} dollars, which we declined and disputed the fee. When asked how the billing statement was delivered, the agent said via email. When asked what email was used, the agent could not cite the email. Effectively, we were not billed or notified that we were behind payments in any way. If we had not attempted to use the card, the charges would have continued to accrue. We immediately paid the amount due, but their is no way to dispute the late fees and finance charges. It appears to us that the transfer of data and other information during the transition from XXXX to XXXX was improperly handled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/XXXX my wife, XXXX XXXX, and I, XXXX XXXX, were scammed - and we are devastated. What happened was that I received an email, claiming to be from XXXX ( but it was from the scammer ) and suggesting that I " solve the problem '' ( which was that {$4500.00} had been charged to my XXXX account ) and contact " XXXX '' by calling one of the phone numbers listed. 
I'll attach this scam email. 
The scammer then suggested that we purchase gift cards in the amount that had been charged. And if we passed on the gift card # XXXX and amounts to the " XXXX '' person, our " problems would be solved '' and " no charge to my XXXX account would occur. '' We did all of that - including buying gift cards, using my Bank of America debit card. 
After we discovered that this was a scam we sent a letter to Bank of America, explaining what had happened. 
B of A then issued on XX/XX/XXXX a credit of {$4900.00} ( not sure how we ended up w/that amount ) to my debit car account. We assumed this was a generous B of A decision till we received a letter, also attached, from B of A, stating that this was a temporary credit, and subjetc to B of A doing extensive research.

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 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
Equifax misused my information and did not take proper steps to protect my information, along with millions of other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I called Transunion to complain about this company that keeps pulling my credit without my consent and was told to contact the creditor.

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 2022-09-15
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:
XXXX XXXX XXXX  is using deceptive practices & extortion against me. I requested that a late payment be removed from my acct because of THEIR fraudulent reporting. None of what is required by law was done before reporting derogatory information on my report. XXXX XXXX is knowingly breaking the law after my first complaint with no regard to me in our fiduciary relationship. XXXX XXXX has then threatened to close my cards, saying that they dont understand my complaint, which worded simply and plain. They also refused to respond to me through the cfpb which is the median I reached out to them through. I have done all of the verifying that is required by law. I am being bullied and attacked & this is causing me stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Coastal Financial Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
VM was left on my friends phone by XXXX XXXX from Coastal Financial Solutions - called a reference of mine from something I supposedly did - and told them basically if they could not get in contact with me they would begin the legal process against me in court in the county I live - stated county.. left a case number to reference - XXXX - and XXXX numbers - XXXX ext XXXX and then a direct line - XXXX - this call was on the XXXX or XXXX of XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2014, XXXX XXXX XXXX contacted me and offered to mentor me in my online business as per description of services : Business Entity Setup, Corporate Credit Building and Training Basic and Social Media Pages Buildout & Design Basic. They charged me {$16000.00}. Because the company double charged me on my XXXX XXXX card by {$5400.00} - XXXX XXXX did get the overcharge back for me. XXXX did not perform as contracted, so I requested reimbursement of payment through both Credit Cards ( Citi Bank {$6500.00} ) and ( XXXX XXXX {$5400.00} ). I was informed XXXX XXXX XXXX eventually was accused of Fraud and was shut down. At the time I complained to the banks, they were still open. Initially Citi Bank reimbursed me {$5000.00} but then they recharged me because they said I was too late and they never submitted the claim to the company. I am writing you to request assistance in the return of all my money totaling {$11000.00}. I am attaching all of my paperwork. Please contact me at XXXXXXXXXXXX or call me at XXXX. If you need anything further, kindly advise. Any assistance in this matter is greatly appreciated. Thank you.

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit 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 2021-12-09
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:
Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, but I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, My information was also affected by the Equifax data breach so please investigate this matter immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Out of nowhere American Express added XXXX accounts to my credit history, proof attached in original dispute/ complaint. My request was that they remove XXXX of these accounts as I did not personally guarantee them. They stated I did but to date have not sent me signed original applications for this supposed credit. All I want is original applications for credit showing that I personally guaranteed them, which I know they ca n't provide. That said I also want these accounts removed from credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Lowe 's 15 U.S. Code 1666d - Treatment of credit balances As a federally protected consumer, Lowe 's is in violation of my rights. My current balance is over {$1.00}, and I demand the amount be refund any part of the amount of the remaining credit balance, upon request of the consumer ( XXXX XXXX ) ; and make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months. Federal laws applies to Lowe 's, no creditor is not an exception to the laws. 

My identifying documents are attached. This proof will be used for any and all correspondences.

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 2021-12-09
Company: National Credit Adjusters, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 XXXX XXXX pulled my credit file without my authorization, signed documentation nor verbal consent. This organization/creditor non consensually accessed my credit file resulting in an inquiry which is not linked to any account. This a violation of the fair credit reporting act 15 U.S. Code 1681b - XXXX XXXXl lacks any permissible purpose and I demand that this unauthorized inquiry be removed from my credit file IMMEDIATELY. 

XXXX XXXX responded to this by stating : After our review, we found that the best agency to help you with your issue is XXXX XXXX XXXX XXXX. If you would like to submit your complaint with XXXX XXXX XXXX XXXX, contact them directly at or call

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : 1. XXXX XXXX XXXX : {$14000.00} XXXX 1. XXXX XXXX Balance : {$14000.00} XXXX : 1. XXXX XXXX Balance : {$14000.00}

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 2021-12-09
Company: EQUIFAX, INC.
State: NC
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:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 63 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: AR Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX in XXXX SC turned me into collections after I paid for the bill and associates of XXXX XXXX and XXXX XXXX damage my perfect credit score.They never applied payment to their associate accounts as they told me on front of witness and the witness was already paying the bill that all payments would be dispersed to associate accounts= that didn't happen paper work to follow.

Company response to consumer: Closed with explanation