BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charge an Overdraft Fee on XXXX/XXXX/XXXX for a {$50.00} transaction while my current balance on XXXX/XXXX/XXXX was {$89.00} prior to disbursement, leaving an ending balance of {$39.00} after payment. 
There was a " Processing '' transaction from XXXX/XXXX/XXXX in the amount of {$51.00} that was unauthorized and remained pending over approximately 5 days - never to be presented by Merchant for payment because it was unauthorized and Merchant agreed. 
I discussed this matter with the Bank The Bank told me when the charge is " reversed '' then they will refund the Fee. I told them that it will never be presented for payment and therefore you will not see a reversal so I should not have been charged unless the device is presented for payment, where or not the Bank elects to pay 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 2021-08-11
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During the height of the pandemic in XX/XX/2020, I was evicted in Arizona, this in violation of the rent and utility moratorium. The utility moratorium was in full effect, despite this, during XX/XX/2020 Arizona Public Service turned over for collection utilities owed ( despite them being in a place of moratorium ) to Diversified Adjustment Service, a debt collection company. This company is incorrectly purporting that I owe a debt. However, XXXX  never tried to reconcile this debt directly with me. Also, the utility was placed in moratorium at the time. Therefore they violated the order in place by the Governor. This needs to be removed from credit reporting agency and returned to XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
There is an item on my Credit Bureau reports that is from Citicards showing a charge off. I have requested numerous times for an itemized breakdown of all charges and credits a copy of the application and who made the charges. Have never received a response. The account is now out of statutes. Texas statutes is 4 years the date of last payment is XX/XX/2011 I called citicards today and offered them a settlement and they refused any money for a settlement because the statutes had expired!!! they informed me that the listing on the credit bureau length of time is up to the Credit bureaus. I called XXXX and the told me 7 years. 
The problem is Citicards refuses to settle and I cant get the credit bureaus to remove until after 7 years. seems only right to me that if the statutes have expired and Citicards refuses to settle, the entry on my credit bureau reports should be removed -- please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
A letter has been sent over 45 days ago and i still having received any results or updates regarding these accounts on my report please remove immediately as my rights is now being violated 1.The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 2.The status is incorrect for the following account XXXX XXXX Account Number:XXXX*** Please ensure that all information is accurate 3.The following account is not mine XXXX XXXX XXXX XXXX Account NumberXXXX Please remove it from my credit report. 

4.The folowing account is not mine XXXX Account NumberXXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Trans Union has always reported me as a credit risk. Regardless of how well I pay my bills or pay off my bills my scores with this company continue to be in the fair zone, costing me higher than normal interest rates. I attempted to address this matter with them but I was unable to get pass their automated system, there were no prompts that allow for a live operator or an email response. It almost seems when I report a problem to an attorney, government agency, etc, Transunion retaliates by lowering my score or adding old information to 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 2015-12-15
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card from Best Buy ( credit provided by XXXX ) that I paid and closed back in XXXX 2013. I 've been contacted over the last year by XXXX claiming I owe Citbank for this same account in the amount of {$420.00}. I provided proof XXXX ( copies of my credit report with identical account numbers reflect Paid & Closed ). They still refused to remove the collection from my credit report. They claim that Citibank is saying it 's valid. But when I contacted Citbank they tell me they never had any communication with the collection agency that has the account. I have going back and forth for almost a year trying to get this removed and so far no luck.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This creditor ( XXXX XXXX ) keeps changing the status on this account. They are reporting false and inaccurate information. When Equifax researched this account, it was updated for less than a week, and then went back to having multiple inaccuracies. The creditor blames and says it is Equifax 's fault for the inaccurate reporting and Equifax tells me to talk to the creditor. This is extremely frustrating at the very least. The account itself is a total contradiction with many inconsistencies. This account has never been late, has always been paid as agreed, ( even reflects in account info/payment history ) yet they are reporting a past due amount. This account has been paid and should reflect a paid balance, yet it is still reporting a balance. This account has long been closed yet still appears as open. None of this makes any sense, yet this account keeps reporting as such. It is in complete violation to report and verify false and inaccurate information. I have been denied recent credit because of these erroneous items that appears on my credit report. I have attached proof of this claim. I request that Equifax delete this account from my credit report. This account is completely inaccurate and does not reflect my credit history or my credit worthiness. No one should have to go through this. Please delete this account/tradeline from my credit report. I have attached previous disputes and complaints that were resolved through CFPB. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
A letter has been sent over 45 days ago and i still having received any results or updates regarding these accounts on my report please remove immediately as my rights is now being violated 1.The folowing account is not mine XXXXXXXX XXXX Account NumberXXXX Please remove it from my credit report. 

2.The folowing account is not mine XXXX Account Number:XXXX Please remove it from 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 2015-12-14
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I owed XXXX to American Express. On XX/XX/2015 I wired XXXX to settle the account. the law firm accepted the settlement and forwarded the funds to American Express. The payment posted and a few days later Amex sent me a bill for XXXX due XX/XX/2015. Their online system still reports that I currently owe them XXXX and that amount is reporting to all XXXX credit bureaus. I have disputed with all three and Amex confirmed to them I still owe the money. I have called Amex multiple times and every time a get a different answer. They said the account has been settled but their system wont show it for 60 days? Am I going to get a late payment reported to my credit report on XX/XX/XXXX? How come I was sent a bill and why is it reporting to the credit bureau incorrectly? I have a job renewal that requires a credit report and I was told to have this account settled, which i did, but can not prove it. The letter from the attorney XXXX office is not complying with what Amex is telling the credit bureau when i dispute it? this is a huge problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today XX/XX/2021 I received a call from what I believe was a law firm saying they had a claim number for me and they even tried calling my mother but they called me after that. The man said the name of the law firm but said it too fast even when I asked him to repeat it. I kept asking what this was in reference to, all he could say was I had to call XXXX and give them the claim number. I call the number he didnt say who his name was or who he was representing. He goes on saying that something about a lawsuit or some claim was against me for a XXXX year old payday loan with a check that had bounced ( not my intention for that to happen ) and he was pushing me to pay and pay and if I didnt my credit would be damaged and wages would be garnished and all I get is social security XXXX. He threatened me with a lawsuit and garnishment. I tried telling the man that this was beyond the statute of limitations but he got defensive and thats when he started threatening me with all that I mentioned above. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Payoff process

Complaint:
I have been working with a financial counseling company on a debt management plan to pay off old credit card debts since 2013. I have been making payments faithfully for the past XXXX years and have not missed XXXX payment. I was getting excited because I thought I was getting close to paying the balance off. - only XXXX or XXXX more payments However, in the last month I noticed that my XXXX statement was updated with a new balance and showed that I still owe over {$800.00}. I followed up with the financial counseling company to see why this changed. They said they only recently got an update from Citi reflecting the new balance, but the balance was quite a bit larger. This concerned me so I checked my records, including my credit report. The highest balance on the card that was reported was {$5700.00}. I have paid {$5400.00} to this debt to date. This should leave me with a balance of {$310.00}. Citi is quoting the balance at {$810.00}. I asked the financial management company to contact Citi, which they did, but they could not get a sufficient answer as to the discrepancy and suggested to them that I call. I just got off the phone with a Citi recovery representative, who could NOT tell me where the discrepancy took place or why, and that their system showed {$810.00} as the remaining balance so that must be it. He did verify the beginning balance at {$5700.00}. He was providing me with information on only XXXX year 's worth of reports ( last year ), and told me he would have to request permission to get my reports from when the payment plan started, and I would have to call back in a week. This is unbelievably frustrating that no one can pinpoint where or why the balances are different. In addition, I have not been receiving ANY statements from Citibank, or the company that they apparently sold my debt to.

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 2015-05-28
Company: Sokaogon Finance, Inc.
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Also did not send me documents on validating the debt the name of creditor. I have asked them to cease and decist with calling my mother, my job, and also me. The number that keeps harassing me is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have capital one credit card. At the beginning of the pandemic I was laid off from my job and became homeless and lost my phone. During this time I fell behind on my credit card payments. I eventually regained my phone and a place to live. I spoke with capital one over the phone and explained my situation and what happened due to the pandemic. They explained what they could do with extending payments and forbearance and so forth. The agent advised me that if I could come up with a minimum payment of {$25.00} that capital one would remove the late payments from my credit report. I paid the money, however they have reneged on the agreement. I spoke with an agent yesterday and he expressed concern but said he couldn't do anything. He suggested I contact you guys. 

I wa a victim of circumstance during pandemic, I caught up the payments and haven't fell behind since. This isn't right, they lied to me and are impacting my credit score greatly. I am unable to buy home due to this. Please make them make it right. Please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
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: Account information incorrect

Complaint:
I have attached two accounts reporting inaccurately to all three of my credit bureaus, I have attached pictures highlighting everything that is reporting inaccurately. Per the FCRA anything reporting to my credit bureaus should 100 % de reporting accurate. Please delete

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 2015-10-23
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
i have a rush card. I have not received my payroll check. it has caused me to not be able to purchase food gas and pay my bills. I am very disappointed with all of this happening because I trusted XXXX. but now im mad, simply because I feel he needs to make a public statement and stop hiding behind fb and twitter!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-23
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account with Citibank in late XXXX last year. When I signed up, there was a promotion offer of XXXX bonus. I used the promotion code of the offer to apply for my Citigold checking account online and my account was reviewed and approved without any issues. After my account had been approved, I got the confirmation via Citi online chat session that I was eligible for the promotion of XXXX and this promotion was successfully attached to my account. The bonus would be credited to my account 90 days after I fulfilled the requirements. I completed all the requirements of the offer : XXXX bill pay in two consecutive months and spend at least {$1000.00} in debit card purchases. After I finished these requirements, I got the confirmation from Citi representative that I had met all of the terms in early XX/XX/2016 plus that I was eligible and the promotion was linked to my account. I have digital proof of all the information mentioned above. Reconfirmed on XXXX, and got the information through secure message that the 90-day mark falls on Saturday XXXX XXXX and the miles will be processed to my XXXX account the following business day XX/XX/2016. They suggested me to wait longer since the incentive should be credited no later than the end of the end of XX/XX/2016-statement cycle. But the bonus were never credited to my account. There is no justification for the delay in posting the bonus. I inquired about this problem via online chat and they opened an investigation on XXXX reward over three weeks ago, but they have n't provided any resolution. 
Meanwhile, there is a relatively high monthly service fee associated with the Citigold account and it would take several months for new account holders to meet all the terms and conditions to obtain the promotional offer. It is not justifiable and should be considered fraudulent for Citibank to attract new customers using promotion offer, collect high monthly service fee from new account holders, and not honor the promotional credit after customers opened their Citigold checking accounts, met all the promotion requirements and paid the monthly service fee accordingly.

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 2021-08-11
Company: EQUIFAX, INC.
State: AZ
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name ar

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no knowledge of this debt to Jefferson capital Systems in the amount of {$2900.00} which was opened on XXXX XXXX, nor do i know of the person who allegiantly opened this account are gave anyone permission to open this account. I know that this account was opened frequently and i wish to have it removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation