BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-12
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/2016 my card was declined and I called Citibank. I was informed that my account was over drawn by over {$6000.00}. I asked how and they told me a payment to XXXX XXXX for {$10000.00} had been posted. It was not a payment I authorized. I asked who the card holder was and it was someone I knew. I spoke with him and we figured out that I had paid his card at some point because I owed him money. They payment information was stored and mistakenly used to pay the {$10000.00} bill. Citibank says the money was taken from my account and XXXX says the payment was dropped once they were contacted about the mistake. My account is over drawn, I 'm being accessed fees, and payments are bouncing. I have been told that it could take up to 90 days before the charge is removed from my account. They also withdrew money from my savings account to pay for the over draft.

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 2023-11-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Sam 's store opened a credit card without my authorization just because I applied for store membership.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian credit report dropped XXXX points in one day with no explanation ... No visible change to credit report when I compared last report just 2 days before to the present report through XXXX business account ( free ). I can visibly see no activity to warrant XXXX point drop. Their ( XXXX ) disclaimer is that the report is free and credit will not be affected anytime it is accessed. I called Experian and XXXX getting no answers ... both stating it is only a service they both provide. I have relocated and am trying to rent a new residence.

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 2023-08-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 there were three unauthorized transactions from my accounts : 2 outgoing wires and one XXXX transaction. I have been told these transactions were done using my deceased wife 's login credentials. I tried to stop these transactions immediately after the first one but multiple mistakes by Wells Fargo allowed additional transactions. Through the dispute process they have reversed one wire and determined the XXXX transaction was fraud but will not refund the second wire in the amount of {$3900.00}. Given they agree that some is fraud I also want the {$3900.00} refunded. Thanks.

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 2023-05-24
Company: Experian Information Solutions 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:
There are MULTIPLE fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent inquiries and they're still reporting on my credit report. I DO NOT have any idea regarding these fraudulent inquiries on 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 non-monetary relief
Consumer complaint received 2023-01-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
MORTGAGE LOAN SERVICER - SELECT PROFOLIO SERVICING ( SPS ) My loan was transferred to this company from another servicer between XX/XX/2022 - XX/XX/2022. I have major concerns on the fees this company charges to make payments online, via phone and on their website. This doesn't include the late fees that are access if a payment is not made by the XXXX - XXXX on the month. I have expressed my concerns with SPS and depending on the circumstance they have waived a few pay by phone fees. However, SPS charges all consumers for making payments via phone & online. 

SPS charges {$10.00} - {$15.00} dollars or so between methods of payments. I am inquiring if CFPB and regulatory agencies can explore miscellaneous fees to consumers? They are making millions in fees as consumers are struggling to make payment their payments by the second week of the month. 

I also need information on how all mortgage companies calculate late charges and where the money goes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Out of know where I get this account on my credit report that I fix last year with XXXX. They trying to collect money from me and finding out they dont have a license to collect in Pennsylvania . I want them to take the account out of my credit report. The collection company name is Credence Resource Management their address is XXXX XXXX XXXX, XXXX XXXX, XXXX TX. XXXX phone number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a US Treasury check in the amount of {$60000.00} into my Chase checking account on XX/XX/2023. I also received 2 direct deposits from my and my husbands federal pensions on XX/XX/2023. On XX/XX/2023 my available balance in this account was {$75000.00}. I attempted to make some bill payments and all were rejected. I inquired with Chase and was told my account was " restricted ''. They would give me no further information. I went into the branch and was asked to prove that the {$60000.00} Treasury check was my money. I gave them copies of my XXXX  ( XXXX XXXX XXXX  ) statement showing that I had made a retirement distribution. They did not remove the restriction from my account and I was told me to call the following week. 
On XX/XX/2023 I received an alert from my Chase account that I was overdrawn. Chase had debited my account in the amounts of {$60000.00} and {$15000.00}. 
I received a cashiers check from Chase on XXXX in the amount of {$15000.00} along with a letter stating that the account had been closed. There was no mention of my {$60000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 3rd complaint that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX  XX/XX/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 explanation
Consumer complaint received 2023-12-10
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The debt was written off charged off they sent letter saying I owe a amount of XXXX I asked them to send in writing I was told they would be sending me a court date due to non payment and it was like theft I sent a letter requesting them to send contract I signed and all my payments in regards to this debt this was XX/XX/2023 I also disputed it with credit company XXXX XXXX and XXXX Ive received calls every other day telling me to pay or I will be brought up on charges I asked the to stop calling but they still do over and over

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently pulled my credit report, and noticed some errors. Please investigate and update as they are causing adverse harm to my credit report and good character. 

( Midland Credit Management XXXX {$1200.00} - Unverified Account ) In accordance with the FDCPA, 15 U.S.C 1692 CC, I refuse to settle any financial obligation I might lawfully owe to this collection agency, I have not received the following documentation from Midland Credit Management # 1-5 : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

Please also provide me with a TRUE and CERTIFIED COPY ( NOT PHOTOCOPY ) of the 4. Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account.

5. Payment history from original creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I attempted to make a payment on my capital one credit card on the statement due date. Capital one would not allow me to apply my payment on the actual date the payment was being made due to it being past XXXX XXXX XXXX and forced me to select the next date which resulted in me getting charged a late fee. I have never encountered a company that would set a time to post a payment especially in a global and virtual environment. This is gross predatory behavior and just a way to collect more fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXXXXXX XXXX XXXX with Commenity Bank. I switched bank accounts a couple of months ago and thought that all of my bills were taken care of. I started getting collections calls from Commenity and when I went to check on my account I found that they had deleted all of my forms of payment and my bill had not been paid. I called them and we re entered my bank information and I was assured that the problem was taken care of and my payment would be withdrawn from my bank account. A week later I checked on my credit card again and the payment had still not gone through. On the statement it said it was declined. I called commenity again. We went through and deleted my bank account and manually inputted it again and I was again assured that It was taken care of. It was not. This has been going on for months now. The same thing over and over again. They assure me I am taken care of, my payment does not get paid, I call them again. The last time I called was a couple of weeks ago to try to make another payment as well as turn the card off. That payment went through, but now since I have missed so many payments I can not afford the minimum payment on the account so I was only able to make a partial payment. I was told that my regular minimum payment would be taken out the next month ( this month, XXXX ) I checked the day that my payment is supposed to come out and my account said I was all set to make the payment. It is now a week later and my payment has not been made. I'm going to have to call again. I don't know what the issue is and why my payments are not being taken by Commenity. All of my other bills and all of my other credit cards have had no issue pulling out of my bank account. I have also called my bank multiple times to insure that I have correct information and I do. This card is single handedly tanking my credit score. I am frustrated and I don't know what else to do. I work all day, everyday, I can not afford to spend hours on the phone with this company every single month to be assured that my account is being taken care of only to have it not taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$920.00} All of the above accounts have violated my rights 15 U.S.C 1681 section 602 A. It states I have the right to privacy.

15 U.S.C 604 section A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, which antedates the report by more than seven years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall now furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: CT
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Date Opened XX/XX/18 XXXX {$3000.00}

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 2023-10-25
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They received an ACH with my payroll direct deposit and informed me that they will hold it for 5 business days Yet they published /advertised that they make direct deposits again md two days before other banks normally do.

And they have done so in the past.

I asked why the hold, its it payroll check I need access to my wages?

I kept getting scripted responses and told when I set up the account all the policies were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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 Report Act XXXX, XXXX from XXXX XXXX  XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This account reported on my credit report is a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: A.R.M. Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Arm Solutions, Inc has billed XXXX XXXX for collecting money allegedly owed to the XXXX XXXX XXXX for newspaper. Mrs. XXXX is XXXX years old and legally XXXX. I contacted the XXXX  XXXX XXXX and spoke with a customer service representative who agreed to remove the debt. I then called ARM Solutions and spoke first with a representative, then with a supervisor. I advised them that the XXXX   XXXX XXXX was removing the debt. I also advised them that as Mrs. XXXX XXXX attorney, they are to cease contacting her and send any further correspondence to me as prescribed by the Federal Fair Debt Collection Act. They refused to even take my name, address and phone number according to their internal practices. If they continue I will take appropriate action, but I believe that company deserves this complaint. 
Mrs. XXXX address is XXXX XXXX XXXX AXXXX XXXX, XXXX XXXX, MO XXXX. My contact information is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Arm solutions contact ins XXXX XXXX XXXX, XXXX, CA XXXX, phone XXXX - collection account number XXXX XXXX XXXX. ARM solutions refused to provide contact information to me regarding its legal department.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : 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 account name : XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting

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