BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I took out a Best Buy/Citibank Platinum VISA Card a year ago. This card is a combination Store Card and also General Usage Card. When I first applied for this card I was provided misinformation by the Best Buy Store Staff. I am now being charged a monthly APR Interest Rate of 28 % and my required minimum monthly payment continues to rise along with the interest rate. To top it all off ... whatever I do pay per month ( well over 100 dollars ) does virtually nothing to bring down the balance. I fear this is a scam and that this is a trap credit card. I called Best Buy and they told me that they have no control over the practices of Citibank. I called Citibank and they were direct and rude with me ... even though my account is current. They outright refuse to negotiate the Interest Rate and tell me it can never be done. I know this is a lie. Their excuse is that this is a Store Card ..., but it isnt just a Store Card ... it can be used anywhere for General Purchases. It just has a Best Buy logo on it and Best Buy Store Purchases are at a lower interest rate than General Purchases. So they are not telling the truth about the card. I want them investigated for misleading and lying to consumers. I want them investigated for trapping customers into a deal that they cant get out of without falling into further debt, debt collection, or even bankruptcy. Again ... none of this was explained to me by Best Buy Staff. They never told me I was going to be charged almost 28 % interest either. Very little if anything was explained to me. The only thing they kept pushing was 0 % interest for the first year. But thats not true either. Theres no interest for the first year on general purchases ... but after a year they apply BACK interest on those purchases without notifying you prior to signing. Then they refuse to negotiate anything related to interest. They also do not tell the consumer that there is a {$69.00} annual fee for having this Credit Card that applies yearly. This is loan sharking ... plain and simple. Theyre lying to people and keeping them in debt to them forever. I havent used the card in one quarter of a year now ( 3months ) and Im making a forced minimum monthly payment of {$140.00} .... and my balance is still {$3800.00} because the interest is {$70.00} a month. At this rate I will never pay this card off again unless I come up with the entire balance. This is so sad that people are being trapped like this. I do not recommend any credit cards from Citibank ever again for anybody ... including and especially Best Buy. I have 5 other Credit Cards. This one is the only one I am having such problems with. Thats how I know Citibank is not being truthful or fair with consumers.

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 2022-01-24
Company: Experian Information Solutions Inc.
State: TN
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:
The account listed below are inaccurate. I did not consent to have the accounts listed on my report. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX real XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: CCS Financial Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Accounts # XXXX and # XXXX. have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on an account under a open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent out a letter to Portfolio Recovery requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted. I have no knowledge of this account and have file identity theft with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: EQUIFAX, 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:
Reporting items that violate my rights as a federally protected consumer. XXXX  bal. {$1100.00} Acc. no. XXXX : XXXX XXXX bal. {$510.00} Acc. no. XXXX ; XXXX XXXX bal. {$420.00} Acc. no. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Information belongs to someone else

Complaint:
XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$710.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$93.00} are reporting on my personal credit file with ( XXXXTransUnion ) credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
PLEASE DO NOT CLOSE THIS COMPLAINT. I spoke w/ a representative from the CFPB because your email to me stated ; " call us if you have new information or a recurring problem. '' Well I do & your rep I spoke to said to put another complaint in & let you know I need your help so please don't close this complaint. This is in reference to complaint # : XXXX. Chase bank is still allowing charges to come thru on my account even tho I'm opted out of over-draft protection, causing my account to be negative- {$820.00}. In their reply to my first complaint they lied, they stated these debit card transactions they've allowed thru & paid were recurring charges & and therefore don't fall under being opted out of over-draft protection, but they are NOT recurring, not at all. They are random charges for different amounts & to various different companies. And they're still even today paying charges on the account causing it to go even further negative. None of these charges should have been paid and my account shouldn't be negative. All they did in regards w/ my first complaint was award a " monetary '' amount of {$250.00} for NSF 's they charged me because of all the charges they paid but shouldn't have. I shouldn't have to pay for their mistakes or bad practices. Please they need to be held accountable & I need the CFPB 's true intervention to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Weinberg Mediation Group LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Weinberg Mediation keeps le aving me vague messages regarding an alleged " debt '' they claim I owe. They will not provide any information or validate the " debt '' in writing. They are constantly calling my cell phone, work phone and family. They threaten to take legal action and say each time that this is the final warning. I have called them and asked them to stop calling and to validate the " debt " in writing but I have not received anything from them except threatening phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: KEYCORP
State: AK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have a MasterCard credit card From KeyBank Via the unemployment office I have tried for a week now to get ahold of key bank as my card is locked and it wont let me use it. I have tried everyday to call and continue to get put on hold for 3 hours until it automatically hangs up on me. I can not access the online portal either as it wont let me sign up cause it says my card has to many pin attempts. I just need my unemployment thats on the card for bills but again keep getting hung up on before anyone even answers as it times out at 3 hours thank you :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: BARCLAYS BANK DELAWARE
State: AL
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:
Barclays is reporting a credit card that I never applied for. It was opened XX/XX/2014 and has a balance of {$2500.00} with a credit limit of {$1700.00} The account is also registered to some address in XXXX XXXX XXXX XXXX in XXXX, Ok and I have never lived there. In fact, a quick search of the address shows that it is a commercial property anyway. So there is no way this could be 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 2020-01-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Care Credit ran a promotion this summer XXXX. Get a free XXXX fitness wristband. Between XX/XX/XXXX and XX/XX/XXXX, open a new CareCredit credit card, make a purchase of {$200.00} or more, and register with XXXX XXXX. However the promotion add doesnt state the value of the XXXX in its promotional advertisement. This promotion is misleading. After two statement cicles Care Credit will sent you a redemption code which they create in their system and do not send to their participants after many calls to customer service they tell Yes I see you applying however the promotions has expired and the value of the XXXX is {$40.00}. I follow up on every step and never received my redemption code until I called 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 monetary relief
Consumer complaint received 2020-04-22
Company: Mr. Cooper Group 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: Account information incorrect

Complaint:
MrCooper sold my loan XX/XX/2020 and still reporting to my credit as an open loan and it is making my debt to income ratio at 69 % because of the open status I called twice XX/XX/XXXX and XX/XX/XXXX they told me they cant remove the info for sixty days so for that I can refinance my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The account listed below are inaccurate. I did not consent to have the accounts listed on my report. 

Account Name Account Number XXXX XXXX US Dept ED XXXX DeptedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-21
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:
on XX/XX/2019 a dispute was made with XXXX, XXXX  and EXPERIAN in regards the fraudulent accounts on my credit report. proof of identity theft was delivered byway of police report Number XXXX police report attached. 

i require and wish all fraudulent accounts be removed 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 non-monetary relief
Consumer complaint received 2018-12-03
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX an automatic direct debit payment of {$580.00} was withdrawn from my bank account by XXXX XXXX but that payment was never applied to my account. I have called XXXX XXXX several times about this. First they had no record of the payment they asked me to get some information from the bank about the withdrawal and call back. When I called back the first person I spoke to hung up on me but I finally got someone to listen to me but I was transferred several times to different operators. Then finally I got someone who seemed to know what he was doing but he still couldn't find my payment. He told me to upload my bank statement showing the withdrawal to my account and he would send the complaint to his supervisors. Weeks later having heard nothing I called again I was told the complaint was submitted on XX/XX/XXXX more than a week after my initial call and he told me it would be up to 15 business days before I get resolution. I called again after 15 business days had passed and no resolution and was told it would take 30 to 35 business days. It has now been over 2 months since my payment was withdrawn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01
Company: JPMORGAN CHASE & CO.
State: AL
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:
Chase Bank is reporting a credit card on my credit report that I never applied for. The account is said to have been opened in XX/XX/2018 and the address is listed as XXXX XXXX XXXX XXXX XXXX, OK 1. I have never lived there. 

2. This is a commercial address so obviously there is no way I could have lived there anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: TN
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:
The account listed below are inaccurate. I did not consent to have the accounts listed on my report. 

Account Name Account Number XXXX XXXX US Dept ED XXXX DeptedXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I was charged {$1200.00} by XXXX  XXXX. 
On XX/XX/XXXX, I was charged {$2000.00} by XXXX  XXXX. 
Both charges were to my Citi credit card. 
These charges are fraudulent. I did not make these purchases. 
I contested the charges through CitiBank. 
I received a document stating that the XXXX charge dispute was rejected and I'm responsible for the full fraudulent charge. 
The XX/XX/XXXX charge remains under investigation per my online credit card account, and I do not have to pay this charge until the investigation is concluded. 
To be clear, both of these charges are fraud. I did not make these purchases. 
I have called the credit card company about this multiple times and they repeatedly tell me that fraud is not possible because " your card has a chip ''. 
This is clearly incorrect.

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 2022-02-22
Company: EQUIFAX, INC.
State: CA
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:
I have a XXXX XXXX XXXX account with XXXX incorporate out of XXXX ca for a auto loan back in XXXX  that should be off my credit report also on my credit report with equifax a balance of XXXX XXXX owed and that it is closed I never made any late payments and they still said it was not delegate I would also like XXXX and XXXX to remove it also off my credit history report instead of showing a paid XXXX year debt resolved/closed with a delinquent balance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Complaint against Home Depot Credit Services XXXX XXXX XXXX XXXX AZ XXXX Re : Deceptive practices with account XXXX XXXX XXXX XXXX and unjust {$27.00} in fees and " minimal interest '' I recently was offered to open a Home Depot credit card, which was suggested to me by the store associate on location, which she described as " no interest '' for 6 months card. I agreed to open. I finally received my credit card opened by Home Depot associate on location at the store on XXXX XXXX, XXXX IL ; and discovered that I was misled on terms of this agreement and unfairly billed later fees {$25.00} plus additional {$2.00} charge. in the total amount of {$27.00} When I planned to make a purchase of some flowers at Home Depot, their Associate told me that if I open a card it will be interest-free for 6 months. However, she failed to inform that this purchased must be over {$290.00}, I later learned learned from the card. My purchase of flowers was much less ; and the associate knew it when she told me that it will be interest-free for 6 months. I relied on her words. The Associate took my personal information and placed on the system, but she forgot to put my unit number in the application. As the result, the actual card was never mailed to me. I went to Home Depot on XXXX XXXX and informed customer service that I did not received my card. They called to the credit card service line where I spoke with a representative who informed me that the card was returned back to them due to incorrect mailing address. She promised to re-send me the card. Yesterday I received the card which has {$27.00} in fees, but the interest on first page stated {$0.00}. The second page stated that I was charged {$25.00} in late fees ( which was caused not by me but by Home Depot untimely mailing me the statement ) ; plus {$2.00} in minimum interest charged. Overall interest again stated {$0.00}. I consider Home Depot practices as unfair and deceptive from the beginning and requested to close this account. I dont know that this minimum interest means ; and how much in hidden fees and charges Home Depot will bill me in future, so I decided to stop this deceptive practice at the beginning and not continue my business with their credit card services. I mailed them my payment {$69.00}, whihc covers the entire balance in full ; and demanded to remove unlawful and unfair {$27.00} fees and minimum interest I am submitting this Complaint with Consumer Financial Protection Bureau and demand investigation into this matter to protect other customers from Home Depot deceptive credit card services. Sincerely, 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 monetary relief
Consumer complaint received 2017-07-25
Company: DISCOVER BANK
State: MI
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:
I ha d two   Discover cre dit cards  XXXX  and  XXXX . About 15 years ago they started charging me for items that I did not buy. I would call them they would clime it was a computer error. The charges were taken off the  one c ard ONLY to be placed on the other card! I would call them now it was hackers. The charges were finely taken off BUT not the over draft and late fees and the charges rate went up! I quite use both cards.   Next the started transferring money fro m one card t o the other, charging me transfer fees, late fees, over draft fees ...! When I complain about this they would tell me pay or we take you to court.   In additi on Discove  r rep orted late payments, over drafts and others to the credit reporting agencies racking my credit causing me to have to pay more  in Insura  nces.

Company response to consumer: Closed with explanation