BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: EQUIFAX, 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:
The XXXX XXXX XXXX is reporting incorrect dates. The dates are report as 2019. The account is beyond 7 years old and the account was added to my credit report like its a new collection. The credit bureaus allow the old account to report like its new.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My checking account with Regions Bank was in good standing. I am in the process of tryings to increase my credit score so, decided to set up my XXXX  XXXX Credit Card and my XXXX XXXX XXXX with Bill Payment through Regions Bank. My payment for both cards is due by the XXXX of the month before XXXX XXXX. I set up the bill payment to post on the third day of the month XXXX XXXX XXXX ) because that is when I have the money in my checking account. I thought all was well until I checked my checking account balance on the XXXX of XXXX. Regions Bank had tried to take the XXXX XXXX payment of {$30.00} out of my account two times on XX/XX/XXXX. Then they tried to take the money out for XXXX XXXX again on XX/XX/XXXX. This over drew my checking account a third time. If that wasn't enough, they tried to take the money out of my checking account again for my XXXX XXXX on XXXX XXXX. Let me remind you that my Bill Payments were set up be paid to my creditors on XX/XX/2021. These were all unauthorized withdrawals from my checking account. By the time they got finish charging me for unauthorized overdraft fees, I owed {$160.00} in overdraft fees. I called the bank on the next day XXXX XXXX XXXX ) and explained to them that they made a mistake and messed up my checking account. I told them they were charging me for overdraft fees that were not my fault. I then went into great detail explaining the mishap. They informed me that because I had previously disputed an overdraft charge in the past, they could only eliminate 50 % of the fees. I explained to them that the error was % 100 their mistake, not mine. I did not do anything to cause the problem and I want them to fix my account back to the way it was before they messed it up. They reversed {$72.00} of it and left me to pay {$89.00} of a bill that they made. They were suppose to take the money out of my account to pay the credit card bills on XX/XX/2021 ( 3 days later ). There was no money in the account on XX/XX/XXXX and XXXX, but the account was not overdrawn.. They overdrew my account and basically told me " too bad for you, we are not paying it. '' They stole {$89.00} from me. I want them to pay it back.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; 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 explanation
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2023-01-23
Company: Southern Auto Finance Co
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There is an inaccurate account on my credit reports with SAFCO that I have been disputing for some time now. I sent them a letter in the mail asking for validation of debt and have never heard back or received anything back from them in the mail. It is illegal to ignore a consumers requests and disputes for accounts on their credit report. It is also illegal to report account without valid proof and documents showing that this debt belongs to me. Please delete this account from my reports now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Comerica
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have had an Direct Express Card for a very long time. And ; recently, I had put in for a new Card. Its been well over 3 weeks now. And ; I have still not gotten it. My Mom ; and I both ; have been trying to call to get this issue cleared up. But ; when can not get ahold of a live person to talk to involving this issue!!. I am on XXXX, my brother had to my rent this month, I havent been able to buy groceries, or anything for that matter. I dont know, what I would of done without the help and the love of my family. But ; its not their situation. And ; I want my new card!?. I dont know what is going on with these people. But ; I after I get my new card. Im, not going to be using them!?. No more!!. But, I need to get my new card with my money!!. Ive, even texted the President of the Company!?. Left my e-mail address and everything!!. No reply!?. Just ; got online with these people again, and, yes, they can help me, For ; a fee, that is!?!. Now, how do these people, want me to pay them a fee, when they have my card and my money. And ; they arent going to get another dime from me!!. Ive called the U.S. Postal Service ; as well. Just ; keep getting recordings of ; Sorry ; due to the Co/Vid ; we are having lack of staff. And ; then it hangs up on you!!. Something ; is terribly wrong, And ; theyre are So many other People ; talking about this Business!!. And ; how they are having trouble ; as well. Thank you for your time. Please ; let me know what 2 do next?!!. Thank you!!.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had two major issues with my Citi double cash card.

1 ) In the span of 2 weeks my card was blocked N times and I have spent hours on the phone trying to resolve it. I was doing regular transactions with merchants I have always used with this card ( XXXX, XXXX, XXXX, XXXX XXXX, ... ). 
This makes using this card pretty challenging and it is my primary card for purchases. Citi has not given me a response on why this is happening and how are they going to prevent it from happening again. Their agents just say they have made complaints in their internal department but given how long this is going on and how frequent it is happening it is pretty clear to me that these internal complaints are not being heard, thus why I am filing this complaint now. 

Some of my call log : - Talked with supervisor XXXX on ( XXXX ) XXXX at XXXX XXXX PST XX/XX/XXXX : According to them blocked because of XXXX transaction - XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : According to them blocked because of XXXX transaction - XXXX XXXX  PST XX/XX/XXXX : According to them blocked because of XXXX transaction - XXXXXXXX XXXX PST XX/XX/XXXX : I don't remember which transaction it was but I had just cleared the card XXXX hour before and it got blocked again. Seemly no new transactions. 
- XXXXXXXX XXXX PST XX/XX/XXXX : Don't remember the transactions involved but I had to redo this XXXX hour after, Citi never gave me an explanation of why - XXXXXXXX XXXX XXXX XX/XX/XXXX : Card present transaction at XXXX XXXX XXXX To make matters worse, they are not able to send SMS to my primary phone number ( a XXXX XXXX  XXXX and they won't accept my secondary phone number ( a XXXX XXXX  because the Caller ID name they get from some third party tool doesn't match my name. Both numbers are used to send me alerts about my account, have been properly registered on citi.com as my phone numbers but I still am not able to use them. I have had both numbers for XXXX and they are mine. 

The Caller ID part is particularly frustrating because I have a really long name that doesn't fit on the card or on the caller ID and the reason they don't match is simply that different parts of my name are used. This ends up being discriminatory to people from XXXX XXXX  countries because our names tend to be very long. 
I would like Citi to provide a way for me to properly register my secondary phone number to receive SMSs. Just give me the instructions. The fraud department agents just say it can't be used because of information from third party providers which is truly maddening.

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 2023-08-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX and I have been a Citi credit card customer for more than 8 years. I have been a loyal customer and never missed a payment. Today I found that all five Citi credit cards, Citi XXXX, Citi XXXX XXXX, Citi XXXX, Citi XXXX XXXX, and Citi XXXX XXXX cards have been closed without any notice. I don't know what's going on since I can not recall anything I did wrong recently. I just use my credit card regularly and pay on time. One thing I remember is I lost my wallet in XXXX and had fraudulent activity on my XXXX XXXX  card which I reported it. Also, I downgraded my XXXX XXXX  card last week since I have severe lower XXXX XXXX issue and XXXX XXXX and can not travel for a while. Other than that I don't see I did anything suspicious that deserves to have all my CITI credit cards closed. I have been a Citi customer for a long time and please reinvestigate my case and reopen my account. Thank you so much!

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 2021-01-11
Company: Google Compare Credit Cards Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I purchased a pair of shoes from XXXX XXXX XXXX for {$200.00}. The purchase was made through Google Pay with the invoice in the description of the purchase. On XXXX XXXX, I realized there was no update made on my shoes being sent to me and I also noticed that XXXX XXXX XXXX didn't send a tracking number and blocked me from contacting them. As soon as I found out I was being scammed, I contacted Google Pay to dispute the payment to XXXX XXXX  XXXX  and I also contacted my bank ( XXXX  XXXX XXXX ). XXXX  XXXX XXXX said they were contacting Google Pay to resolve the dispute and that they couldn't do anything on their part because the purchase was made through Google Pay. Google Pay supposedly did an investigation and it got nowhere on my end. It was obvious that I was scammed and Google Pay did anything about it. XXXX  XXXX XXXX repeatedly told me that it could take up to 90 days to resolve this dispute and I waited patiently. I was willing to provide adequate evidence to both XXXX  XXXX XXXX and Google Pay but they wouldn't allow me. I waited patiently and after months, I still have no justice. I was scammed in the middle of a pandemic and Google Pay allowed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2019 opened home refi with B of A XXXX XXXX loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca I proved ALL information that was asked for. My credit was ran and appraisal ordered. I paid {$540.00} for appraisal. 
On XX/XX/2019 I went to bank to drop off a disclosure that was already signed but not dated. At that time I was told by XXXX my loan was canceled due to NOT receiving a reaffirmation letter from XXXX XXXX from our bankruptcy from 10 years ago.

1. AT no time did B of A ask me for this letter.

2. After calling my BK attorney and XXXX XXXX I was told this letter was NOT used in XXXX and there was NO way to get it because I can't generate something from 10 years ago. XXXX XXXX told me they would give B of A verification that all my payments were made on time ( never a later payment ).

3. B of A told me they could not payoff a loan that was not on my credit report and there for MUST have this reaffirmation letter.

4. I want to be refunded my appraisal fee of {$540.00}. 
I think B of A is NOT following proper mortgage laws because to date I have not received anything from B of A telling me why my loan was canceled. I think B of A should NOT have started my loan because XXXX saw my credit report upfront and I told him about the BK from 10 years ago. If B of A wants to require a form that does is NOT used in XXXX then they should NOT take these XXXX loans. 
I talked to Mortgage manager XXXX XXXX XXXX XXXXon XX/XX/XXXX asking for refund for appraisal he told me he would ask his boss and call me back NO later then 72 hrs. I waited a week and no replay. I sent him email yesterday still no reply. Thank you

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 2023-11-25
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is damaging my credit in an abusive way, I have called those people to tell them to show me that it is mine and they have no way to prove it, I have never used their services or anything like that, I ask for help to remove this from my credit report please, this is a cause of fraud and identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: The Receivable Management Services LLC
State: NC
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:
To Whom it may concern i am writing because something about a collection was noticed by me after checking my consumer report recently. i never received any notice in the mail or by email of this account nor any phone calls to my understanding. this account just appeared and thats how i found out about it so i am asking for assistance in this matter i have also mailed letters to XXXX, XXXX, and XXXX because people are putting inquiries and accounts on my profile without permission. 
Please Assist me in this matter

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 2023-01-03
Company: Experian Information Solutions Inc.
State: LA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 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 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 or 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: BBVA FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Got her report on my credit score telling me someone in Alabama has opened up a credit card using my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have a XXXX XXXX XXXX ending in XXXX They restricted this card so I couldn't use it almost 3 years ago. I have requested they close it multiple times because they keep charging me a fee every year ... yet they don't let me use it. 

They recently charged a fee and my account is late now for a fee THEY charged on a card I cant use and that I thought was closed the LAST TIME i had the pay the fee. 

I contacted my attorney and he said they are in violation of the Fair Debt Collection Practices Act and the FCRA. 
I called them yet again about my account and they claim they will not fix it. 
-- HOW CAN IT BE LEGAL FOR THEM TO FORCE ME TO PAY THEIR FEE ON A CARD I HAVE REQUESTED TO CLOSE AND THEY WONT LET ME USE??? 
THIS IS AGAINST THE LAW AND I DEMAND THEY REMOVE ALL THE FEES FROM MY ACCOUNT AND THE LATES FROM MY CREDIT AND CLOSE THIS ACCOUNT!!!!!! 

I need this fixed as this is affecting my financing specifically and that is another violation which I am prepared to take legal action.The late on my credit needs to be removed today.

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 2023-01-23
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
JPMorgan Chase XXXX, XXXX - I am a victim of financial fraud on my checking account in the amount of {$7600.00} and my sons college checking account attached to mine in the amount of {$21000.00}. An agent posing as a Chase representative fraudulently wired these funds out of my accounts. This began on XX/XX/2023. I visited XXXX separate branches over the course of the week of XXXX XXXX. Each time asking for help with this, asking for the bankers to identify this representative as I had their name and employee ID number telling the banker this person contacted me saying he was a fraud department representative trying to prevent these wire transfers. All branch employees looked up the mans name and couldnt find him, told me that the ID number he gave me wasnt right but never thought to call the fraud department on my behalf. It took until my Friday visit to a branch for the banker who sat with me to tell me that at my first visit that banker should have closed my accounts. Even he still didnt question what I was telling him nor did he contact fraud on my behalf even though he could see the transfers. I am a victim of both the fraudster and Chase bank. I have attached the police report with complete information on the details. Please help me as Chase is not advocating for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Elevate Recoveries, LLC
State: TN
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 have sent several letters demanding removal of this medical collection in which I was never seen for medical service company NOR have I signed any HIPAA forms for service. Furthermore I know my rights, I am allowed under the HIPAA law to protect my privacy and medical records from 3rd parties. I do not recall giving permission for XXXX  XXXX  XXXX  to release my medical records to elevate  recovery.

Company response to consumer: Closed with explanation