BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request your help with TD Bank. I dont know what else to do. So I hope to have a fair solution to this issue that XXXX XXXX  has cause on my credit score. I tried to solve this with them on XX/XX/XXXX but they did not respond my dispute, and they did not even investigate the account or mark the account as disputer ( violation under the Fair Credit Reporting Act ). 

The account I am writing about is the following : FTC REPORT NUMBER : XXXX Account:XXXXxxxxxx Date opened XX/XX/XXXX. Status Closed. {$0.00} balance. 

I am demanding XXXX XXXX  to remove this related to fraud item or I will need to take this issue to court with all my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: IL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-12-08
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I proceeded to open a checking/debit card account online with Citibank, and deposited funds into the checking account. I began to fund the Citi checking account with an initial deposit of {$3000.00} electronic transfer from my current checking account, then deposited a second transaction of another {$3000.00} for a total balance of {$6000.00} into the new Citi checking account. 

I registered my current large bank checking account via Citi 's website so I could transfer funding into the new Citi checking account, which Citi accepted both my current bank account as valid, and Citi accepted the deposited funds of {$6000.00} per the 2 transactions. 

Citi then proceeded to immediately blocked my new checking account, after they accepted the {$6000.00} deposits, and told me I am a security risk, and my account and funds are being blocked and withheld, refusing to allow me access to my already approved and deposited funds into this Citi checking account. I followed Citi 's online menu commands, and did nothing outside of their online prompts. 

I proceeded to call Citi numerous times over the phone, to find out why Citi accepted my deposits and then refused to allow me access to those funds, to only be constantly referred to their rude and obnoxious fraud department telling me that I am a security risk. Citi could not explain or clarifying what I was doing to be labeled such a risk where Citi was allowed to block my account and funds. I performed all these transaction per the Citi website and mobile app, only using Citi 's menu commands. Why would this labeled a security risk if I am following Citi 's procedures??

I had only a total of 4 transactions with this new Citi online checking account, 2 deposits that Citi accepted my cash deposits, and 2 attempted withdrawals from me in an attempt to gain access back to my deposited cash funds that Citi continued to block and refuse access to my approved deposited funds. See the enclosed file for copies of the online deposits/withdrawal 's that I was able to perform each time Citi blocked my transactions. It took so much effort over the phone to allow me access to my deposited cash funds. 

This is total abuse and discrimination for reasons Citi was unable to explain or illustrate to me what I was supposedly doing wrong.

Cit has erroneously closed all of my accounts based on false accusations. All I did was perform deposits and attempted withdrawals per Citi 's website. Citi has no right to refuse me access to my deposited funds, and they should return my cash funds immediately.

Citi owes me a full apology fo rthis abusive treatment.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I already have disputed this account multiple times for the last 8 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.

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 2023-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Over 11 hard inquiries on my credit report that I did not make : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 Capital one auto finance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have made a full report on identity theft. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Block, Inc.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
A bank account was fraudulently opened at Square using my personal contact information including my email address. I found out about this when I received an email notification in XXXX that an account had been opened. I contacted Square support by email and they said they could not provide assistance over email. I called support and they told me a ticket would be created and the issue investigated. They did not follow up with me or resolve the issue and I continued to receive notifications about this account. I called multiple different times over the following months to try and have the issue resolved. In XXXX I was told the issue would be escalated and investigated and then was told that the account would be deactivated. I continued to receive email notifications about bank statements and activity for this account however even after I was told this. I again called and was told it would be investigated but no action was taken and Square did not follow up about this issue. 

Despite multiple attempts on my part to have the account that was opened using my personal contact information without my authorization closed or to have my information removed this issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ENHANCED RECOVER COMPANY A DEBT COLLECTOR FOR XXXX XXXX, IS PRACTICING RE-AGING, THEY POSTED A COLLECTION ON MY CREDIT REPORT WHICH HAD A NEW DATE AS A COLLECTION AS OF XX/XX/2020. 

THIS ALSO WAS DONE BY THEM 3 YEARS AGO ON MY CREDIT REPORT AND I HAD IT REMOVED, NOW THEY ARE MAKING IT LOOK LIKE A NEW COLLECTION, AND ITS OVER 10 YEARS OLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2021 I notice there is an offer on Chase web site. I am going to get XXXX promotion points when I applied Marriott XXXX card and spent {$3000.00} in first 3 months. So I applied the card through chase.com and got approved. I spent more than {$3000.00} in the first 3 months. However I didn't see XXXX bonus points in my account. So I contacted chase customer service through secure message. First they said I didn't spend enough in first 3 months. I pointed out that's not true. Then they acknowledge I spent enough money in first 3 months. But I am only eligible for XXXX points instead of XXXX. I send them the screenshot I took from their website. I pointed out that I didn't get any warning that I am not eligible for XXXX points when I applied the card through chase.com website. They couldn't give me an acceptable explanation but just insist that I can only get XXXX. I feel being scammed by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Block, Inc.
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Square has been o holding my funds for XXXX and will not release them for XXXX no one is giving a reason not can you speak to a person that can. This is m making paying employees late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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:
Someone has an access on my credit information and is ruining my credit while I was sick. I have no knowledge of what and who this could be.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly examine the attached files. My request is for the bureau to begin an investigation into these accounts, for which I've always been on time with payments, but they are incorrectly marking me as late.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It's ridiculous because I have always paid this account on time and have never been late.

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 2022-04-11
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:
Someone has an access on my credit report and it's ruining my credit while I was sick. I don't know who this could be

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 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 explanation
Consumer complaint received 2022-02-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I consumer entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/18. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Navy Federal charged me a finance charge of {$11000.00}. Navy Federal Credit Union is also in violation of 15 USC 1643 in which my credit card ( SSN ) was used in which monthly payments of {$600.00} is being paid monthly when its suppose to be paid off being that consumer used his open-end credit plan. Banks can not loan money according to 12 USC 1431. Navy Federal credit Union used my credit card ( SSN ) to apply for a loan in my name fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: EQUIFAX, INC.
State: CA
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:
have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX {$620.00} XXXX/XXXX  {$1200.00} XXXX XXXX {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18
Company: EQUIFAX, INC.
State: CA
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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tiedto my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX 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 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, 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:
The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap 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 2022-01-08
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with CitiBank NA in response to a promotional mailer received in XXXX of XXXX. I was unable to fund the account within 20 days as required per the promotional offer conditions as due to a technical error ( error XXXX ) I was unable to view the terms and conditions associated with the account. 

On XX/XX/XXXX Citi informed me that inspite of the technical error that they will not provide the promotional balance. As a result, this account no longer meets my needs so I sought to close the account on XX/XX/XXXX. Prior to closing the account I went to transfer funds to my verified external checking account ; however, Citi has restricted my ability to transfer funds to external accounts. This is inspite of the fact that Citi is able to accept additional fund deposits from this account. 

Given this issue, I called Citi Phone banking at XXXX and after waiting on hold for approximately 15 minutes spoke to a personal banker, XXXX, who was unable to help me but transferred me to online banking support. After waiting on hold again, I received a message that the online baking support department is closed. 

I then called Citi Phone banking again at XXXX and after waiting on hold for approximately 20 minutes I spoke to XXXX. I informed XXXX that I wanted to close my account and when asked for the reason why shared that I have had poor experiences with customer service and technical support. XXXX then asked for my credit card number at which point I clarified that I am not attempting to close a credit care account but rather a savings account. XXXX then informed me that he only supports credit cards accounts but was happy to transfer me to another department.

I declined to accept the transfer as after spending over 40 minutes on this issue no longer had time to work on it.

I need to understand 1 ) how to transfer funds to my external checking account as quickly as possible and 2 ) how to actually close this account. Note that when logging into Citi online the only contact options presented are to correspond via mail or phone ( there is no option for live chat or a secure 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 explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: IN
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:
This debt was paid in full as of XX/XX/XXXX of XXXX and house was sold. XXXX of XXXX they added a remark on my credit report saying collections account with {$0.00} balance. This is showing up as an active collection and I can not finance a home until this is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK 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 a account without my written instructions

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 2022-04-11
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
on XX/XX/2021 The Small Business Association deposited Funds of {$5000.00} usd into my Bluebird ( American Express ) account. Bluebird ( American Express ) Closed the account on XXXX XXXX shortly after the funds were received. I contacted Bluebird ( American Express ), after several calls and emails I was told that my account has been closed. I contacted Bluebird ( American Express ) to request that funds be released from closed account to my new account or sent back to Small Business Association. Bluebird XXXX American Express ) stated that they would only release the funds if and when they receive a letter of indemnity from Small Business Association. I contacted the Small Business Association and they informed me that they do not write such letters. I have sent several emails to Bluebird Investigation team explaining that SBA does not write such letters and asking what else could be done to have these funds released from said closed account. I have only received automated emails from Bluebird XXXX American Express ). No one has responded. SBA does not write letters of indemnity. I have spoken with a paralegal with SBA that states they do not write such letters and they have never ever received such a request. Bluebird ( American Express ) states that the account is closed but I still receive an account balance email weekly. I would like to know how I can have these funds released from account without letter of indemnity due to the fact The Small Business Association does not and will not provide such letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: OH
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 to the Fair Credit Reporting act XXXX  account 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 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Listed are some additional XXXX  accounts that violated my rights, 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