BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XX/XX/XXXX Citibank lowered my credit from {$11000.00} to {$3000.00}. Stating, XXXX reported I was delinquent on an account. Citi now reporting my credit score is no XXXX. XX/XX/XXXX, I provided documents to XXXX clarifying the delinquency. XX/XX/XXXX XXXX raised my credit score right back to XXXX. From XX/XX/XXXX to date, I have contacted CITI bank and asked them to correct my credit score and give me back my higher limit. XX/XX/XXXX with Citibank a supervisor ( won't give me their name ) place my COMPLANT about my credit score. XX/XX/XXXX I faxed a company of the XXXX XXXX XXXX and report showing it was XXXX. XX/XX/XXXX XXXX a letter declined. Called Citi XX/XX/XXXX and again told them the credit score is wrong. Then again on XX/XX/XXXX, XX/XX/XXXX i placed complaints Citi is reporting the wrong credit score. Citi would tell me they would check with XXXX and other agents would tell me theres nothing they can do. XXXX I called XXXX and they validated the scores of XXXX, then XXXX have been sent to the credit card and validated that Citi has NOT pulled any credit on my in 8 months. So they lied!! 
Attached is XXXX imagens from right from XXXX. Notices the scores, and dates. Also the bottom right shows todays date. More importantly, the second XXXX score states, up XXXX point from the previous months score. Proving that back in XXXX my score was XXXX which Citi shows it wasnt. They are not reporting my credit correctly

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 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Monday, XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The perpetrator ( an online conversation, false persona whom I agreed to meet in person ) used my phone-to-face identity to get into my Chase College Checking Account . He stole/transferred {$500.00} and initiated a wire of {$5000.00}. I was able to escape after a few hours and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following morning, XX/XX/XXXX  I was at the bank with my mother as soon as the bank opened up. They were successful at stopping the {$5000.00} wire transfer. On the matter of the {$500.00} it has not been returned to my account as they are refusing it. I have provided the bank police reports and have had to relive the nightmare and tell the story to at least five or six different Chase  representatives who kick the can to someone else or just say they won't give me the money back. I am a XXXX XXXX XXXX  who has targeted by a really bad person and I don't have it in me to keep going around in circles with a bank that is not abiding by the law regarding fraudulent charges made under duress -- Regulation E unauthorized transfer where consumer has been induced by force.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Today on XX/XX/, I received a notification from my XXXX account that my credit score dropped XXXX points in the last month. I then looked into my account and saw that I have been an authorized user for a " CITICARDS CBNA '' credit card for the last two months ( since XX/XX/ ) and that I am currently using 50 % of my account 's limit. I am not familiar with this credit card and would like this removed from my records/reports as I am sure this is a fraud. I will contact the creditor after I send this message.

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 2023-08-29
Company: Paramount GR Holdings, LLC
State: WA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of this year, my husband and I signed up to get solar panels for our home in XXXX, WA through a company called XXXX XXXX. Since we financed the amount of the solar panels ( approximately {$25000.00} ), XXXX XXXX recommended that we go through a company called GoodLeap, which I believe is a XXXX. Every month, we make an automatic payment of {$78.00} toward the loan. Every month we also have been making payments of {$1000.00} to go toward the principal of the loan. First payment was XX/XX/2023. I recently found out that GoodLeap is charging us interest on a daily basis ( approximately 3.4 % ) even though we have been making additional payments every month for {$1000.00}. 
When I called to find out why, the customer service rep told me that since our additional monthly payments ( around first of the month ) of {$1000.00} are not coincided with the due date of the loan ( XXXX of each month ), they are charging us interest. Therefore, we accrued interest in the amount of {$360.00}. I asked to have that refunded and she said no. When I asked why this wasn't disclosed on the website, she told me it was in the contract. I asked her to send the contract and have not received it to date. She said it was disclosed in some obscure place in the contract about how interest is accrued daily. I told her I wanted to pay off the approximately {$20000.00} loan balance today ( XX/XX/XXXX ) since I didn't want to be surprised by anymore hidden fees and that I don't want to deal with them anymore. So I paid off the balance. But I want to be refunded the {$360.00} in interest since I wasn't aware of their practices in charging the interest in the first place since I was making additional payments in the amount of {$1000.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Affirm Holdings, Inc
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Affirm sold to XXXX XXXX XXXX for collection. 
Date Opened XXXX  with XXXX XXXX XXXX {$250.00} Account Number ( XXXX  ) : XXXX {$420.00} Account Number ( XXXX  ) : XXXX {$600.00} Account Number ( XXXX  ) : XXXX This debt has been disputed multiple times and they continue to resale this same debt and accounts to new collections agencies. This is fraudulent account and they are attached to the police report for identity theft but the collection agency keep selling the debt to new agencies. I have directly disputed these same three accounts with the creditors and other agenies but this debt keep showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been asking Bank of America to apply the refund that I got from the Vendor ( XXXX ) because of a canceled transaction. The cas been dragging on ever since XX/XX/2023, and no refund has been applied. I reached out to the Vendor ( XXXX ) who provided me with paperwork, and I sent it to the Bank, but they keep closing the case. The Vendor can no longer refund me as the money sits at the Bank ; however, the Bank refuses to apply for the refund to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I was sent ah check for XXXX from my company XXXX XXXX  but I dont have any contact with them anymore and Im trying to get my money released from the bank or just find another salutation cause I been waiting for to long to receive my money and they want talk to people from the business I brought in documents that proved of me being apart of the business I been waiting patiently the check was clear when it first landed into chase and nothing was wrong it froze wants I went to retrieve it from the inside

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: VA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE SERVICE FINANCE XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Home Imp Loan Payment summary 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 Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX 258 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXXXXXX

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-07-06
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:
In accordance with the Fair Credit Reporting Act, this Creditor XXXX has violated my rights. 

15 " USC1681 Section 602 " States I have the right to privacy.

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

15USC 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 non-monetary relief
Consumer complaint received 2016-09-14
Company: I.C. System, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I received several calls from a company called IC Systems. The calling telephone number was XXXX. The person calling contacted me on my hospital on-call telephone ( I 'm a doctor and was on call ). I asked what it was regarding and the person said " a personal business matter ''. I informed the caller that if this call was not pertaining to a medical emergency or related matter, that it would be inappropriate to use this number. The person ignored this and went on to ask me a barrage of rude and intrusive questions. I firmly asked the person not to contact me again. I then sent a letter to IC Systems address on the internet : I.C. System, INC. 
XXXX XXXX XXXX XXXX, MN XXXX One week later, I received another phone call from them. The same result. Two weeks later ( today ) I receive another call ( from a XXXX ) in the middle of my work day. They gave me no information about what they are calling about, and are rude, intrusive and demanding and, moreover, calling a restricted number for emergencies only.

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Recently I did investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that angry didn't make sure it was reporting 100 % correct in accordance with the Fair Credit Acts, everything has to be 100 % accurate on my credit file and under 15 U.S.C 1681 e ( b ) and 15 U.S code 1681i ( 5 ) theses accounts are violation of not reporting 100 % accurate.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-14
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Paramount GR Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out this solar panel loan with loanpal for {$21000.00} back in 2020 @ a 2.99 % interst rate payment Iof {$100.00} per month. I have paid over {$3000.00} to date and the balance is still {$20000.00} What am I paying for? This is predatory lending and deceptive. I ask them to rewrite to loan and they say no. 

To date nothing is being done. 
I would like a better loan option. Is this the best that can be done for the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
Hello, My wallet and all my personal information including my drivers license and my social security card were stolen in the year 2003 ( estimate ). I have reported the individual that was using my social security card fraudulently in the state of Georgia. I confirmed this information thru my local Social Security office. There are XXXX delinquent accounts that continue to appear on my credit report and they ( credit report agency ) does not remove it even after I have made several attempts to dispute it. At this time, I would like these XXXX fraudulent accounts to be flagged and/or removed from my credit report. I have tried to obtain information on the original police report that I filed here locally, but there system does not keep track of old police reports. I will have to resubmit a new one. Please advise. 
Thank you, XXXX 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 2023-08-29
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I began receiving emails from Chime that referred to a bank account. I ignored them thinking it was typical spam. Then I received a debit card in the mail. I never opened the account with them. Trying to get a hold of someone in their company to block the account has been almost impossible. The options on their phone tree do not have anything for regular fraud. The closest thing was to dispute a charge on the card. I finally spoke to someone and they supposedly created a case and said I would receive an email follow up. That email follow up never came. So I emailed XXXX and received an auto reply that said click this link to live chat. I did that and that personal named " XXXX '' went round and round ultimately telling me I had to call. I told them I had already done that unsuccessfully and was very frustrated and wanted a more direct number or options to push on to get a person. They could not provide me with this information... I called the number and after getting hung up on because I presumably selected the wrong option, I finally was able to get a human named XXXX who took some info from and then proceeded to state that he would forward the information the " specialized '' department that would handle it. I feel like every minute that goes by gives the criminals more time to commit fraud. Supposedly I will receive an answer within 24 hours but they said that last week too.

Company response to consumer: Closed with explanation