BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: CITIBANK, N.A.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We recieved an email from what looked to be Best Buy XXXX XXXX XXXX. They used these offical logos. Because we have used these companies in the past it looked to be legitimate! I call the number given XXXX XXXX XXXX XXXX and they tried to get me to log into a web site they sent me to to pay the debt that was on the invoice. I got suspicious and hung up and went do further on the computer. I called Best Buy and asked about this charge and there was no such bill issued by them. They informed me that this was definitely a scam and I was to report it.

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 2022-03-12
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I filled a dispute case with Blackhawk network on XX/XX/2021 and in an email they told me the dispute would take no longer than 90 days. Its been well over that and Ive had to be without my money. They also stated in an email that an check was issued to my address already but when I called to follow up they told me the check wasnt even created yet. They just keep lying to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09
Company: ALASKA USA FEDERAL CREDIT UNION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I was attempting to sell my XXXX XXXX XXXX to a private buyer that I met on XXXX. My car was listed for $ XXXX. The buyer sent me a check for {$33000.00}. He told me that the extra money was for a courier to pick up the car and take it out of state. On XX/XX/XXXX, I deposited the check and informed the bank, Alaska USA, that I deposited a check to satisfy the lien. I was informed that same day that the check cleared. I then called back the next day, XXXX hours, XX/XX/XXXX to verify the check did indeed clear. I was told that check DID in fact clear. I then proceeded to communicate with the buyer that he was the new owner of the car and asked how he wanted to proceed with the transfer of ownership. The buyer asked me to send him {$3600.00} via XXXX to pay for the courier. I sent 4 installments from my personal checking account - ( XXXX. XX/XX/XXXX - {$950.00} ; XXXX. XX/XX/XXXX - {$950.00} ; XXXX. XX/XX/XXXX - {$850.00} ; XX/XX/XXXX - {$900.00} ) thinking I would receive a check from the bank ( essentially reimbursed ) in a few days because I paid over the lien amount. In Arizona, to complete a private auto sale, a Bill of Sale must be completed. When asking the buyer to send me his information to complete the paperwork, communication became very spotty and I became suspicious. On XX/XX/XXXX, I called Alaska USA and asked them the status of the check that was deposited. I was then informed that the check was fraudulent. I asked the bank when anyone planned on telling me and the person said they would mail back the check several days later. Had I not called on XX/XX/XXXX, I would have never known the check was fraudulent. Further, and more importantly, I was scammed out of {$3600.00} all because I was given bad information from the bank saying that the check cleared. All this could've been avoided if I was given the correct information and promptly informed when the bank realized the check was fraudulent. I have filed a police report with the local authorities

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Barclay 's Bank U.S. closed my 10-year old account with no notice.

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 2018-10-28
Company: Experian Information Solutions Inc.
State: IL
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:
For the past two years, I have been trying to get items that do not belong to me removed off of my XXXX and Experian credit reports. With Experian, in order to dispute items on my report, I have to go through the process of contacting their customer service center in order to get rid of items that do not belong to me, but when the results come back, these items most times would never disappear, and it they do disappear, they would reappear within a month or so. With XXXX, I would have to dispute the items that do not belong to me through XXXX XXXX, but recently, when I choose to dispute these items, I am rerouted to XXXX 's website, where they ask for my personal information. Once I enter in the personal information, then I'm asked a series of questions that pertain to accounts that I may or may not have. Once those questions are answered, the window would state that XXXX  is unable to process my request at this time, and I'm unable to check previous dispute results because of the same reason. XXXX and Experian are making my life a living XXXX with keeping items on my credit reports that are not mine as well as OLD items ( 10 years old or older ) on my credit reports that are not mine. On the Experian report, there's an item that does not belong to me that appears TWICE on the report. I need for these items that do not belong to me to be removed once and for all.

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 2023-12-16
Company: MoneyLion Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I attempted to make several purchases with a specific merchant using my XXXX XXXX debit card from MoneyLion checking account. The charges were all declined on the merchants end at the time they were attempted. MoneyLion was declined the attempts while also debiting my account. The XXXX attempted charges were all pending on my account. I called MoneyLion and explained the situation and they assured me the charges would not process and would fall off within 24 hours. I asked them to flag the transactions and notify me immediately if they processed and cleared. 
I didnt receive a notification after the conversation and figured the charges fell back to my checking account. Upon looking at my monthly statement I realized that all of the charges did indeed process and the funds totaling {$960.00} debited from my account. 
I disputed each transaction on XX/XX/XXXX. It has been over 10 business days and they have not responded to any of my multiple inquires about an update. MoneyLion declined to process my transactions but debited my account anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: CARS Acquisition, LLC
State: MS
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:
i notice a negative item on my account from CAR FINANCIAL SERVICES and sent them a letter on XXXX asking for information dealing with this account, in which i attached a copy below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I had been eagerly looking forward to buying XXXX gifts for my kids using an AMEX gift card that I had purchased for {$300.00}. However, much to my dismay, when I tried to use the gift card to make purchases, the transactions did not go through. I tried multiple times, carefully entering the required information to ensure that it was correct, but to no avail. I even tried using the card on different websites such as XXXX and XXXX, hoping that it would work, but it didn't. Frustrated and confused, I contacted customer support for both XXXX and XXXX, hoping that they could help me resolve the issue. However, even after spending hours on the phone with their customer support representatives, I was still unable to make any purchases using the gift card. As a last resort, I contacted the AMEX gift card customer support and explained my problem to them. I was hoping that they could offer some help or provide me with options to resolve the issue. However, much to my disappointment, they informed me that there was nothing they could do to help. I was left feeling baffled and frustrated as I had been misled into buying a gift card that I couldn't use to make purchases. It was a terrible experience, especially since I had been looking forward to using the gift card to buy gifts. The fact that I had lost my hard-earned money only added to my frustration and disappointment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company billed only 1of2 insurances I had. I had paid {$120.00} to company not realizing until after I paid. They then billed 2nd insurance for rest/all left debt and was paid. I then received a refund check from company for {$120.00}. But also received a letter from a debt collector they sent me to for {$200.00}, WHICH is false billing. They received in full from both my insurances making my balance to them {$0.00}. But still sent me to collections on a debt I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is not the first time or the first card this company SYNCHRONY has opened and then closed with NO prior notice They have closed 5 accounts on me for various reason but only using 1 each and every time and that is a review of my credit Which is a total lie They have not researched my credit as I get a notice when ANY company does that and they have closed 3 of them within two months of the ok for them with no charges on them This institution is a FRAUD and I now know that I am one of many and the companies they serve have NO IDEA they are doing this! Please take all the complaints into consideration I'm open to a class action law suit against this company and what they have done to my credit

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 2019-09-22
Company: CITIBANK, N.A.
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
This is a complaint about Citibanks Citicard mishandling unauthorized transactions charges. 

It all started on XX/XX/XXXX when I received a FRAUD ALERT email from XXXX informing me about suspicious activity on my Citicard mastercard : Amount : {$380.00} Date : XX/XX/XXXX, Merchant : XXXX XXXX XXXX, Location : United States , Charge Status : Declined, Case number : XXXX. 

I immediately called the number provided XXXX, and confirmed that I indeed never initiated that transaction. My card # was deactivated, and I was issued a replacement card with new #. 

However, when I inspected recent transactions online I noticed three other unknown and unauthorized charges : 1. XX/XX/XXXX XXXX XXXX OH {$140.00} 2. XX/XX/XXXX XXXX XXXX OH {$27.00} 3. XX/XX/XXXX XXXX XXXX OH {$97.00} As soon as I found out about them, I immediately notified Citicard representative and I was assured that these charges are going to be reimbursed to me by the Citicards and I dont have worry about them. 

However, in the XXXX Statement ( billing period XXXX ), only the first charge of {$140.00} was reimbursed. 
On XX/XX/XXXX upon receiving that bill, I called and spoke with your rep XXXX. She assured me that {$27.00} charge reimbursement will show up in the next statement, but {$97.00} is still under investigation. 
On XX/XX/XXXX upon receiving statement for billing period XXXX I called again since none of the charges were reimbursed. Again, I was reassured that they will be reimbursed by the next statement. 
On XX/XX/XXXX I called again since no reimbursements were shown on the statement for billing period XXXX. I spoke with Sue who said that investigating agent XXXX will call me back with the status. No one called me back. 
On XX/XX/XXXX I called again and spoke with representative XXXX who assured me that credit for MACYS charges had already been issued and will show up on the next statement. 

The next statement ( billing period XXXX ) just came in, and again NO CREDITS. 

I feel extremely stressed and disheartened by this whole ordeal, especially by how Citicards company mishandles this case. 

On XX/XX/XXXX I faxed them a letter describing the above situation ( to FAX XXXX ) On XX/XX/XXXX I mailed the same letter to Citibank XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

Still, up to this date I have not received any response from Citicards to my multiple phone and letter complaints and the issue has not been resolved.

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 2023-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Consumer Financial Protection Bureau Re : Request for Bank of America to provide copies of ALL Credit Card and Bank Account Applications submitted for XXXX XXXX and my businesses, XXXX XXXX XXXX, XXXX XXXX. 

My name is XXXX XXXX, I have a Personal account at Bank of America and I had XXXX Business Accounts and a Trust Account. I opened a service ticket with Bank of America on Wednesday, XX/XX/2023 with Customer Service Agent XXXX - Ticket Number Case ID XXXX. My request is very simple. I requested copies of all Credit Applications and all Banking Account Applications submitted by me or my businesses. I was placed on hold for 3 Hours and then told some one from Bank of America would contact me in 48 Hours to tell me how to obtain copies of all credit card and bank account applications submitted by me or for me and my businesses including all Approved and Declined requests. 

No one ever contacted me and all of my access to the accounts in question has been removed. It is essential that I obtain copies of the applications that instantiated all accounts the bank is holding or held as me or on my behalf. I have been the victim of fraud and identity theft at Bank of America. 

Please have Bank of America provide copies of all Credit Card applications and Bank Account applications for the following : XXXX XXXX Social Security Number XXXX XXXX XXXX  XXXX XXXX ID XXXX XXXX XXXX Tax ID XXXX Please help me obtain these details so that I can assess which accounts were actually owned and controlled by me. All of my accounts have been plagued by what appears to be internal Bank fraud and account manipulation and errors at Bank of America. 

Thank You, 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 2022-10-14
Company: Experian Information Solutions 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:
This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$2100.00} ; XXXXF XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-16
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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$9300.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1100.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$3000.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1900.00} XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: CITIBANK, N.A.
State: CA
Product: Credit 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:
I opened a credit card with citi bank and was told i would receive a credit limit increase after 6 months i funded the card {$300.00} made my payments on time and next thing my account was closed and i was mailed only a {$30.00} check in which i should have received the entire {$300.00} back. it was no reason for the account to closed and i also never requested for my account to be closed. I needed the card to keep my credit limit on my credit report to help my score once my account was closed my score dropped. citi bank has put me in a hardship from closing this account without my permission.

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 2023-12-15
Company: ALLIANT CREDIT UNION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX, a 1099-A was filed with I.R.S. for this particular account. It was never credited to the account. As a result they are reporting an inaccurate amount that is owed on the account. Also, they are reporting that this account has a 90 days past due, which is inaccurate as well. I have since settled the account with a money order and a certified tender of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2019-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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