BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023, I was charged {$210.00} for a " Best Buy Renewal ''. I was unaware of this charge to my credit card account until XXXX when I received a call from Citibank, who administers Best Buy credit cards, informing me that my account was " past-due ''. I was surprised by this as I had not made any purchases using my Best Buy credit card. I was advised by the Citibank representative that they could not resolve any issues with the charges and that I must contact the " XXXX XXXX '' as they had initiated the charges. 

On XX/XX/XXXX I contacted the XXXX XXXX, which is a technical service department of Best Buy, and was told that the charges were for the renewal of a " service plan ''. I advised them that I had not initiated any request for a service plan and declined the " purchase ''. The told me that, because I had contacted them more than 30 days past the " purchase '' that they could only offer me a prorated refund of {$170.00} and a refund of some late charges that had accrued. I requested that all charges be removed from my account and any " past due '' notices sent to the credit bureau be corrected. They advised me that only Citibank could make those changes. 

I determined that the notifications associated with this " purchase '' and " past-due '' notices were sent to an obsolete email address, so I never received them. I have been unable to resolve this matter with Best Buy, Citibank or the XXXX XXXX as each entity says I must talk to the other.

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 2023-10-26
Company: William D. Meeker Enterprises, Inc.
State: TX
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:
I was looking for a HELOC rate, so I searched online and found this company. Spoke to the representative and not once did I ever authorize or give permission to have a hard Credit pull. Come to find out he pulled a hard request. I have emails to provide as proof as well. Once I contacted the company, they were very hesitant and apprehensive to resolve this problem. I filled out paperwork for this company so they can dispute it with the reporting agency, but still have not heard anything back. I would like that hard pull removed from my credit report. I never gave my Social Security number out, so I am not sure where he got my Social Security number from to pull the inquiry from. Very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received Email back in XXXX saying I owed a debt I electronically filed a dispute with them at XXXX as requested on the email they sent me. They failed to get back to me with the information that I requested as I have no knowledge of the debt. I have now learned that they have placed a collection record for the past 2 months with the credit bureaus. 

As I disputed this and they failed to provide me with any information whatsoever, they have no legal right to place that record on my credit reports and I requested that they remove them immediately. They have failed to acknowledge my emails confirming that the collection will be removed but did confirm that they will research the debt and get back to me. In the meantime, between their failed attempt to validate the debt back in XXXX, they illegally placed a collection on my credit report which I need removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CCS Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had a collection account from XXXX sold to this company, they call me offered me to pay the collection account with the agreement to delete it from my credit report. Theyre liars, 1 year later when I see the account still on my report, I dispute it with the credit bureau XXXX come verified with no explanation of what procedure they used to verify that false account, next I called them asked them for a letter that the account is paid in full, the guy was very rude when I confront him told him They lied to me. He said he is going to send me paid letter in my mailing address, XXXX weeks later still no letter show up. So I want them to remove that thing on my report. Because its illegal what they doing

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: PA
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 paid for a flight on XXXX XXXX, business class for me and my wife on XXXX. The return flight, our seats that were supposed to recline flat for rest on a XXXX hour flight, and the tv monitor with movies, did not work for me and my wife. The airline would not give us a partial refund from a very expensive flight ( {$3200.00} each for that segment from XXXX to XXXX ). I asked chase sapphire to intervene, claiming that the advertised perks of Business class were not provided to us. I asked for 10 % of the flight to be returned, which I believed to be very reasonable. The dispute was rejected, stating that the credit card company delivered the service by transporting us. 
My dispute is that I could have been transported in the baggage compartment and according to the cc company, that would constitute satisfaction of the terms under which I paid. The service I and my wife received was clearly not as advertised by the airline, and Chase should have worked this out for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I received a letter from Credit Collection Services ( ccspayment.com ) on behalf of XXXX XXXX XXXX asking me to pay a debt of {$620.00}, which I do not recognize, neither accept it, because I have never had a call or contact with such company. 

I called them to the phone indicated in their letter and they were asking me what are the companies I pay insurance for Home Insurance recently, which seemed to me odd because if they know what they are talking about they should have known that information and clarify to me about the debt and who is demanding to get paid.

They insisted that I give them the name of my Home Insurance company, so I mentioned that I have Travelers insurance for Home Insurance and conveniently after providing my answer, they told me that Travelers insurance were the ones trying to collect that debt.

I told them that I would fix the problem directly with Travelers Home Insurance if there was any problem, and they told me to call them back to resume.

What I didn't mention to this Credit Collection Services Company people, and that is where I caught them being a fraudulent company, is that I already paid my Home insurance with Travelers for the whole year and next payment is until XXXX next year, so I don't owe them any money, and even checking my account statement with XXXX insurance, it says that I don't have any debts or pending payments to complete with them. This company is a total scam and I am really XXXX XXXX  because they are very annoying going after me with phone calls and mails, like if I owe them something for real. 

I don't know who can help me to stop them from botering me and my family. 

Thank you very much for your attention.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This companies listed accessed my credit information. 
I have never applied anything from this companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to submit my dispute online with Transunion and kept receiving an error message when I hit the submit button. I then called Transunion to submit my dispute over the phone with no success as the representative disconnected the phone. 

Transunion is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information.

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 2023-10-27
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX I was robbed at gun point and my purse was taken! I filed a police report and sent it to chime and they keep declining my dispute! I cant help I got robbed, Im still reviving from it mentally and emotionally! XXXX XXXX is the merchant and there was two transactions of {$250.00} that was stolen out my account! All of my information was stolen Drivers License etc! I also see unauthorized transactions from this company in XXXX that Ive attempted to address but never got a response from chime or XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Medical Data Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a collection letter from the Medical Revenue Service for a bill that should have been sent to my secondary medical insurance XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXby the provider. The medical provider is XX/XX/XXXX The date of service is XX/XX/XXXXreceived both of my medical insurance information upon the date of service. I do not owe this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OK
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 XXXX XXXX 2017 I found out that my personal information along with millions of others was mishandled and compromised by Equifax. I am listed as a potential victim according to their equifaxsecurity2017.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CBC Companies, Inc.
State: FL
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:
Innovis Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! Innovis never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: Southwest Credit Systems, L.P.
State: OH
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 Reporting Act, XXXX XXXX XXXX XXXX, 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 organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Around XXXXXXXX XXXX, I spoke with a representative who agreed to process a waiver for a {$30.00} late fee. I also asked for a replacement card to be sent because I never received the initial card. 

On XX/XX/, I received a text notification indicating a balance of {$62.00}. I called customer service and was told the representative did not process the waiver, resulting in another {$30.00} late fee and an additional {$2.00} interest fee. 

A supervisor waived one of the late fees, but the company refuses to waive the other late fee, despite the generation of the second late fee being due to a failure on behalf of their employee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: GA
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After reporting financial hardship XX/XX/XXXX during the XXXX pandemic I received a notice in XX/XX/XXXX that the account was closed. No additional notices were received up until XX/XX/XXXX when Bank of America made a report on my record which caused my XXXX XXXX to immediately drop XXXX points

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 2023-10-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 at XXXX I attempted to take {$500.00} out of the ATM at Citibank at XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX The machine shut down during the transaction and I did not receive my money. I reported it to the bank immediately and was told they were not responsible for the ATM since it was the drive up and not inside the building and that I had to report it to customer service since my account was debited the {$500.00}. At XXXX, I then successfully took {$500.00} out of the ATM inside the building, so there are 2 debits from my account on that day. I contacted customer service that day, but despite numerous conversations with the bank, customer service and the executive response team I was repeatedly told there was no discrepancy in the cash that day so I was lying and my money would not be returned. I filed a claim with XXXX XXXX XXXX XXXX as well as with the FTC, but have still not have my money returned. I requested that Citibank review the video at the ATM from that day but was told that information was not available without a subpoena. The executive response team informed me that I am at the end of the line and my money will not be returned I needed to stop trying to get my money back. 

All of this information has been shared with Citibank numerous times, but the response is the same. We are not responsible for the ATM outside the building.

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 2023-10-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened an account with BMO. Paid all my bills early. They added payments only to certain months and then reported it 60 days late and when I sent a form and they admitted it was paid early, then reported it 30 days late. 

Please help us get this corrected.

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 2023-10-29
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Investigation took more than 30 days

Complaint:
American express is reporting my debt as valid when they did not prove how they came up with that final decision when I had identity theft that accured. They also reponded after 30 days and continue to report the account as mine and report late payment which cause my score to go down while trying to purchase a home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Nelnet, Inc.
State: MI
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:
NELNET I received your recently letter. NELNET your contract to service the U.S. Department of Education student loans do not start until after a date in XX/XX/XXXX. 
Currently NELNET can only process XXXX claims of federal student loans for the U.S. Department of Education. NELNET I received your recent letter and last letter the one you reduce the money from {$80000.00} to {$39000.00}. NELNET consider that as the last letter you send me. NELNET you stole my identity. NELNET your employer the real U.S. Department of Education wrote you to Terminated the federal student Note in my identity for Fraud XX/XX/XXXX. The real U.S. Department of Education can cancel a contract a federal student loan for fraud. The note defaulted XXXX XXXX and that stands wrote the real U.S. Department of Education . The U.S. Department of Education wrote Defaulted, Terminate Collection meanng the real U.S.Department of Education does not want the money. The note was not completed in a federal lender orginator of student loans website for electronic signatures, etc. Many federal student loans FFLE loans the government are still collecting on no mattter of the amount. Nelnet remove yourself of my credit reports immediately. Nelnet you are in violation of the False Claim Act by stealing money from the real U.S. Department of Education in serviceing a Terminated Note for Fraud. NELNET your in violation of the Fair Credit Reporting Act. NELNET any other letter you might send me I will consider as harassment. I want all the credit reporting agencies to send me the documents that NELNET sent in to open this student loan in my identity and if the CRA can not tell my why> NELNET CEASE AND DESIST FROM CONTACTING ME UNLESS THROUGH YOUR ATTORNEY. NELNET I AM NOT GOING TO PAY YOU AN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2023 XXXX sent an email stating that Capitol One initiated a Hard New Inquiry XX/XX/2023 I contacted XXXX and spoke to a representative. They don't know why a credit inquiry was initiated and suggested that I contact Capitol One directly. 
XX/XX/2023 I spent several hours calling two different phone numbers for Capitol One. I was not able to get through to a person to discuss the issue. 
Capitol One does not publish an email address. There is no information on their web site for issues with unauthorized Credit Inquiries.

Company response to consumer: Closed with non-monetary relief