BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My account was hacked and they overturned some important things like, XXXX  which caused my business to not be active, also my business account is on hold, and I don't know what else ... I also pay child support through XXXX  ... I will be at chase in morning to do a claim...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am disputing a charge of {$2100.00} to my XXXX Citibank Credit Card # XXXX XXXX XXXX XXXX. The charge is in error because the customer service representative reversed a charge on my account without my permission. I am seeking to get this charge removed from my account, that finance charges related to the disputed amount be credited to my account be removed, and that I get an accurate statement. 

I have contacted Citibank on several occasions to get this issue resolved : On XX/XX/2023, I talked to XXXX Citibank Member Services, and the customer service representative reversed a previous credit without my permission. 
On XX/XX/2023, I talked to XXXX in customer service, and he requested on audit on this charge. 
On XX/XX/2023, I talked to XXXX and was told to wait XXXX business days, and I would see a credit on my account. That did not happen. 
On XX/XX/2023, I talked to XXXX and XXXX. XXXX told me to expect to see a credit on my account by XX/XX/2023. 
On XX/XX/2023, I received a letter from Citibank indicating they had permanently closed the dispute, and I had no further recourse. 

Enclosed are copies of the audit conducted by the dispute department at Citibank, veriyfing my claim that I had been charged twice for the item. The total balance should be {$2100.00}, not {$4200.00}. Citibank has yet to give me credit for the {$2100.00} due me. Interest is accruing on this item. My account is current on other items. 

Please do whatever is necessary to correct this issue.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I did not authorize nor consent to the following inquires being furnished on my consumer reports.

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 2020-05-12
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I checked my credit and saw the wrong information on my credit saying I have balance that I already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-19
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to LVNV Funding LLC over 30 days ago and have not received a response. It has come to my attention that the collection agency associated with this account, LVNV Funding LLC, is not licensed to operate in the state of Texas. 

As a consumer, I have the right to ensure that any information reported on my credit file is accurate, fair, and in compliance with applicable laws and regulations. The licensing requirements for collection agencies in Texas are outlined in the Texas Finance Code, specifically Chapter 392. In this case, the collection agency 's lack of proper licensure raises concerns regarding the legitimacy and compliance of their debt collection practices. 
I kindly request that you conduct a thorough investigation into this matter and take appropriate action to remove the collection account from my credit file. The following details are provided to assist you in your investigation : Account Number : XXXX Collection Agency : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX Date of Collection Account Reporting : XX/XX/2018 Furthermore, I have attached copies of any supporting documentation, such as correspondence or records, that demonstrate the collection agency 's lack of proper licensure in the state of Texas. 

The presence of an unlicensed collection agency 's account on my credit file violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and The Fair Debt Collection Practices Act ( FDCPA ). I trust that you will take this matter seriously and address it promptly to ensure the accuracy and integrity of my credit report. If necessary, I am prepared to pursue further remedies available to me under the FCRA and other applicable laws to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: CITIBANK, N.A.
State: MT
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 purchased an airline ticket for a convention I needed to be at in XXXX. There was an offer for a discount on the ticket if I applied for their credit card. I got the card and purchased the ticket, for a total charge on the card of {$2200.00}. I later lost the card that was sent to me and requested a new one. The customer service agent asked me about a balance transfer. I specifically stated that the only charge on the account was the airline ticket I had purchased, stating that should be the only charge on the account. The agent then filed a dispute, that I did not request, with the airline resulting in my ticket being cancelled, without my knowledge or consent. I was made aware of this only days before my scheduled trip when I received a notification that my credit card balance was now XXXX. I reached out to both the credit card and the airline, both of whom blamed the other party for the problem. I was forced to purchase another ticket, then change that flight, get a bit of a refund to the card from the airline and finally was rescheduled back to my original flight. The one I agreed to pay {$2200.00} for. Since then I have been trying to get this settled with the credit card company. I have paid nearly the total amount of the original {$2200.00} for my flight yet my balance is still almost {$4000.00}. For a {$2200.00} flight. I have spoken with multiple agents, over many months and it seems each time I do, my balance increases. This has been a very distressing situation. The credit card agent made the mistake and yet the credit card company is charging me three times the value of the ticket I purchased.

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 2023-07-19
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In a nutshell, the fraud worked like this. I was slowly introduced to a supposedly profitable investment ( XXXX options on real-time XXXX pricing ). I was encouraged to start small and was allowed to withdraw money from my account twice. Over-time, I was encouraged/motivated to increase my capital investment to avail myself to higher profit opportunities. As my account increased to XXXX $ XXXX XXXX XXXX I was informed that in order to withdraw my money, I need to deposit 18 % withholding for IRS XXXX on the $ XXXX XXXX cumulative XXXX to date. The tax amounted to $ XXXX XXXX $ which I deposited. I was further informed that I had to deposit another $ XXXX XXXX $ for large amount withdrawal risk, which I also deposited. For days, I waited to withdraw from my account but was told that there are many VIPS ahead of me. I was then informed that I could apply for VIP membership if I wanted to be in front of the withdrawal line. The cost of the VIP membership was 2 % of account value which amounted to another $ XXXX XXXX XXXX The website was determined to be a fraudulent website. Please read attached file for complete story.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
in XX/XX/2023 I reported that my credit cards and bank account were hacked and that there were multiple transactions were made by someone else. I also informed them that I could not pay my bills because thousands were taken from my account. In addition, I have been texting this company because in spite of me telling them this, they were expecting me to make a minimum payment of {$1000.00} which is extremely high because of the fraud charges. I was told I had to make the minimum payment which I could not afford they refused to budge or provide proof that all the charges were all mine. this issue remains unresolved and they continue to report negatively to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: WI
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 OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2020-08-04
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The law firm hired by XXXX  has filed a baseless suit against me while denying their client 's responsibility for fraudulent conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC code 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account with my written instruction under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

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 2020-08-04
Company: DISCOVER BANK
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Mrs. XXXX XXXX XXXX service does not work. They write letters to me indicating that she is going to call me and has never contacted me. It takes too long to answer inquiries at the CFPB and she doesn't know how to explain anything. The service is very poor. These rascals dont complete their job, they are charging me for fraudulent transactions witouth sustainable evidence of investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Paramount GR Holdings, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, on XX/XX/XXXX I applied for a home refinance loan with XXXX XXXX XXXX XXXX doing business as " XXXX  '' ( NMLS # XXXX ). I found this lender via an internet loan shopping service. Once I initiated an interest in obtaining a home loan known as a cash out refinance to assist in paying down consumer credit card debt, I was contacted by a XXXX XXXX XXXX XXXX, NMLS # XXXX and License # XXXX  who works out of the lending companies branch locations. That mailing location for that XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX,. Phone # s XXXX XXXX XXXX or XXXX, e-mail : XXXX. XXXX XXXX consulted me to apply for an FHA backed loan base on my and my spouse 's credit score. We did make application and electronically signed the application documents and accepted the early loan disclosures electronically as well. XXXX XXXX requested that we fund an Appraisal Fee of {$550.00} and he took our information to initiate an ACH debit to our consumer checking account maintained at XXXX XXXX, ( XXXX XXXX ). However, onXX/XX/XXXX I sent XXXX XXXX   an e-mail message to hold up on any further loan processing. Also, at that time, there had been no appraisal of our home and I requested that he have our {$550.00} home appraisal fee credited back to our consumer checking account. We have decided to go with another Home Loan provider and with better loan terms and no PMI requirement. I've contacted XXXX XXXX both on the phone and via email and he said that the money was sent to the home appraisal company and I would have to contact them. However he could not tell me how to contact the selected home appraisal company. I've followed up with XXXX XXXX and his firms customer e-mail : address XXXX  and included their loan in process tracking number Loan # XXXX. Still, we have not received the return of our {$550.00} funds.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/23, we sent a payment {$1000.00} to homdepot credit card services accidently by using XXXX bill pay. Our homedepot card was closed. We have filed claim through our bank but it got reversed. They suggested us to contact hone depot for the return of funds. We have faxed and mailed them multiple times and received returned from XXXX. We called XXXX credit card services and Citibank credit card on behalf of homedepot, but there were no one willing to help us to get our {$1000.00} 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 2023-02-06
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This past weekend XXXX Truist took away access to my checking account online without any prior warning. After many phone call and a visit to the local branch and an email to their XXXX team, I still don't have access to my account and can't pay my bills. I have over {$60000.00} dollars in this account and need to pay my bills. 

Please Help! 

XXXX XXXX Phone XXXX email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent in a letter on XX/XX/XXXX after pulling my credit report about variations to my name that ARE NOT my name and addresses that are attached to my credit file along with numbers I have never seen or used. 

On XX/XX/XXXX Experian has come back to say that they are verified or have updated the information without verification or giving me verification. I find it interesting that on yesterday I spoke to a representative after several of my certified letters hit their bureau investigation status on or about XX/XX/XXXX and have come back verified with the same information being out dated that I disputed or updated magically. 

I would like to know how they are verifying my information and it is still incorrect and not giving me anything more than an update. Keep in mind I submitted my factual evidence that the information is incorrect and it is STILL incorrect but VERIFIED. This is continuing to damage my credit file I have proof that this is not the FIRST, SECOND OR THIRD time they have sent me letters saying the information is verified in the past 12 months when clearly I know the laws and that they are not upholding my rights to have a accurate and fair credit depiction of my credit file. 

I have included an example of the issues with their VERIFICATION. 

I have had my identity compromised in XXXX by an employer and XXXX my wallet was stolen with SS Card and information that was sold on the web for scammers to use. I take my credit profile serious.

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 2023-03-08
Company: EQUIFAX, INC.
State: CA
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:
I am writing to dispute the accuracy of my credit report and request that you delete all inaccuracies as required by the Fair Credit Reporting Act ( FCRA ). The following accounts, Account name : 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Under 15 U.S.C 1681 section 602 A, I have the right to privacy. Additionally, under 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The credit bureaus are obligated to follow these laws and any violations will result in an inaccurate credit report.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. As such, any adverse information related to the accounts listed above should be removed from my credit report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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. As such, I request that the credit bureaus investigate the accuracy of these accounts and delete any inaccurate information.

I would appreciate it if you could notify me in writing of any actions taken as a result of my request. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation