BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan servicer is Edfinancial. I made a payment of {$2400.00} on XX/XX/XXXX during the XXXX XXXX period. 

I am eligible for $ XXXX student loan forgiveness and have a balance of {$17000.00} as of today, XX/XX/XXXX. I have requested a refund of {$2000.00} on this payment and Edfinancial is denying payment. This would bring my student loan balance to {$19000.00}. 

When I called on XX/XX/XXXX I was told that I would be refunded in XXXX of XXXX. I asked where I could read up on this as I just checked Edfinancial 's website and could not find any mention of it. I was told this is a new policy this week. I asked to start the process for a refund regardless and was told a form was filled out for my account that I could not see and have no accountability to see to start the refund process with no guarantee that I would get the refund I am entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A debt collector called Shermeta Law Group based out of Michigan keeps calling non stop from various phone numbers for the last week. Ive made requests for them to communicate in writing yet they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2020-07-27
Company: Square Inc
State: FL
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:
This complaint involves two debit card companies, those being Cash App and XXXX, respectively. The reason there are two companies is because, on the surface, it might appear that the host company, [ Cash App ], says that they transferred my funds to XXXX  Debit at my instructions, is being truthful, yet XXXX claims to not have received the funds, only a notification that such funds was forthcoming from Cash App. 

As shown in the attached Cash App Transaction Record, I transferred all funds in the Cash App Account in the amount of {$14000.00} to XXXX and Cash App then closed the account. 

Since that time, my {$14000.00} is missing and because Cash App was the host institution, they have the responsibility to insure that the funds were in fact deposited with XXXX as instructed by myself. They insist that they have no further responsibility in this issue because the attached document does in fact say that Cash App in fact cashed my account out in the amount stated above and forwarded/transferred to " XXXX ''. However, initially XXXX told me that it would take three days for the funds to become available, identifying the amount without prodding from myself. 

Three days later, the funds did not show on my XXXX Account. Several conversations were held with XXXX representatives regarding this matter with XXXX maintaining that it does not have the funds [ {$14000.00} ]. It is a strange situation because the record does APPEAR that Cash App did in fact, at my direction, transfer the mentioned funds. This evidentiary fact does not change Cash App 's responsibility to see to it, or help facilitate a customer 's receipt of funds demanded in that customer 's account. 

Further, because " XXXX '' was able to identify the amount transferred to XXXX, gives this writer to believe something is amiss between these two companies, and I should not have to prove, with files which are held by the would be fraudsters, which Debit Card Company is guilty of either neglect, or purposeful theft of my {$14000.00}. 

I believe that either way, from a legal perspective or from a decency perspectives, both companies must assist in finding funds now taken from me and has simply vanished. 

Lastly, both companies are declining to assist in the locating of my funds while I suffer because I don't have access to my own funds, which as one might expect, mostly would be earmarked for bills of varying kind. 

This is a substantial amount of money to permit any company to simply vanish my or anyone else 's funds. I have filed a dispute with " XXXX '' which has yet to be answered, and have spoken with agents of XXXX. No physical complaint have been filed with Cash App since the transaction page of my account with Cash App show that the funds were " Cashed out '' after all funds were transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I made an online order for XXXX soccer jerseys on XXXX. I also paid for expedited shipping with my order, which stated that delivery would be within 5 to 7 days. The total of my order was {$140.00} On XX/XX/2023, I sent the merchant an email asking why I still have not received my order, almost one whole month later. I did not receive a response to this email. On XX/XX/2023, I sent the merchant another email, explaining that it had been way past 2 months and I still did not receive the order. I did not get a response to this email, either. Soon after this, I filed a dispute with Citi Bank, case number XXXX. When I filed this dispute, the customer service agent told me that I was instantly going to receive a conditional credit to my account for the amount in dispute of {$140.00}. A few days later, I had checked my checking account and noticed that I did not receive the credit to my account. I called Citi Bank and they said that they do not offer conditional credit in these cases ; the previous customer service agent was uninformed, or lied. I said okay and let them process the case. On XX/XX/XXXX, I received a paper in the mail asking for more information about my case. I filled the paper out, stating all of the details about my dispute and sent the paper to the email address provided on XX/XX/2023. On XXXX XXXX I spoke to Citi Customer support to see what was the status on my case. The agent told me that my case was denied because I did not provide enough information. She said however, I can appeal the case at my nearest Citi Bank branch. She said to print the emails I sent to the merchant, as well as any proof of my purchase. I printed the XXXX emails I sent to the merchant, and the invoice that the merchant sent me. When I arrived at the branch they told me that theyre not sure why support sent me to the branch, as they have to do this over the phone with customer support. So, I had to speak to customer service about my dispute over the phone, at the branch. The workers at the branch told me I had wasted my time going there.

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 2018-05-03
Company: WELLS FARGO & COMPANY
State: NC
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:
After a health issue in XX/XX/XXXX I fell behind on many bills. These past few months I have been trying to fix that. I settled what I could with what little money I had. I started looking at refinancing my home. During this process, the mortgage company denied me saying Wells Fargo has my account as a charge off but is posting the charge off every month as if it is happening every month. They are also posting late after the charge off. I spent a lot of time trying to find a way to fix this issue. I was offered a settlement for that account. I paid the settlement XX/XX/XXXX. Wells Fargo backed off the settlement and posted on my credit report that the payment made was a payment. I called everyday and got no response from anyone. I finally got XXXX XXXX on the phone. I explained to her everything. They are now posting my account as a charge off. And are beating around the bush to say I didnt settle the account. Without the refinance I can not pay the remainder debts off I have. After reading about the fair credit reporting act, I saw they have violated and ignored it on my credit report many times. I have a letter from them stating if a pay the amount. The account would be settled. They lied to me about that. I can not even get a receipt for the settlement I paid.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681. 
Account Name.. XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name.. XXXX XXXX XXXX  Account # XXXX Account Name... XXXX XXXX. Account # XXXX 
Account XXXX XXXXXXXX XXXX XXXX 
15 u.s.c. 1681 section 602 A. State i have the right to privacy..

15 u.s.c. 1681 section 604 A. section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-06-20
Company: Kikoff Inc.
State: AL
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:
You are reporting an account that was opened fraudulently by my biological father in the amount of {$12.00}. This account needs to be deleted from the record as it's not something I signed up for. I spoke with XXXX and they said it's something your company needs to remove on your end first because you keep responding that it is accurate. Please reach out to the police department on the police report attached below if you have any questions about this case. Please delete this account immediately and stop reporting it to XXXX. 

Account Name XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, There must be a misunderstanding! I submitted a complaint and it was recently closed with no changes and no comments to my report or updates sent to me related to the XXXX items I have listed below which is suppressing my FICO score and causing hardship. 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.I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a suppressed FICO score. 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 : A consumer reporting agency can not furnish an account without written instructions. Transunion is reporting under public information related to U.S. Bankruptcy Court : This is a direct and clear violation of my rights and I will pursue damages should these items not be corrected/removed. After speaking with the department, they have informed me that they in no way report to any of the credit reporting agencies related to past or present files/cases. If this is accurate as it must be since it came directly from the Texas department, Where is Transunion getting this inaccurate information and able to so call " verify '' when there is nothin to verify. This has gone on long enough and I demand results and instead of the CFPB pushing the responsibility on to Transunion, I demand the CFPB to uphold their duty to protect consumers from predatory actions such as what I have placed in front of you now. Before this complaint is handled with neglect, I would again advise you that I am tired of the run around and do plan on taking action should this avenue not result in the desired result. 

Details of the items in question : XXXX XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/2017 Reference # : XXXX Closing Date : XX/XX/2017 Asset Amount : {$0.00} Court : U.S. Bankruptcy Court Liability XXXX {$0.00} Exempt Amount : {$0.00} Remarks Also : I do not live nor have I ever lived at the following address that is present on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX DO NOT JUST UPDATE MY ADDRESS ON THE FILE, REMOVE THE ADDRESS THAT HAS NEVER BELONGED TO ME AND UPDATE MY CURRENT ADDDRESS ) Please refer to full US Code should you require itemized list of actions allowed and not allowed under the code.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
A corporation called XXXX shared non-public information on with a non-affiliate third party pursuant to 15 U.S.C. 6802 and did not give the consumer the option to opt out of having non public information reported to TransUnion which left a hard inquiry on the consumer report and violates the XXXX XXXX XXXX XXXX. 

Such malfeasance of office also violates 15 U.S.C 1681b ( a ) ( 2 ) - ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681a ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

15 U.S.C 1681a ( f ) proves that the financial institutions and the consumer reporting agencies are conspiring against the alleged Consumer and is extorting the alleged Consu
mer out of extension of 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 2023-02-07
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit 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/XXXX I placed an order via the XXXX app. The items purchased were supposed to be delivered on XX/XX/XXXX, but I never received them. I then contacted XXXX 's guest relation via chat where an agent offered a refund and replacements. I refused replacement because if the original items were not being delivered in time, why would I need replacements. After not receiving my refund within the time frame given. I reached out to both Way2Go Program who handles the card services for XXXX  XXXX XXXX and XXXX. After going back and fourth with both companies, I finally received and email from XXXX guest relations stating that my refund was processed on their end that I should reach out to my bank. After contacting Way2Go, again they stated I should go ahead and file a dispute. I was given a provisional credit about XXXX weeks later. On XX/XX/XXXX, i noticed my account in a negative balance and was told it was due to a reversal of a provisional credit due to a denied dispute. I have contacted both XXXX and Way2Go program who both continue to tell me to contact the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: CITIBANK, N.A.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
We filed chapter XXXX bankruptcy and the bankruptcy was closed in XX/XX/2018. Citi Bank had an account on our bankruptcy for Home Depot. Citi Bank had a judgement against us, which was on the bankruptcy filing. We have been trying for approx. 3 weeks to get Citi Bank to send a release on the judgement, as it is holding up our closing on a home. Citi Bank recovery dept.is telling us that they don't need to do anything, since there was no lien. Our mortgage company won't close without the release.

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 2022-04-20
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2022, I sent a letter ( certified mail ) requesting a free copy of my consumer file because I had been a victim of identity theft. I attached my Driver 's License and Social Security card with the letter. CoreLogic Credco responded by asking me for more verification of my identity and they said a XXXX XXXX XXXX XXXX would be applicable. XX/XX/2022, I sent another letter ( certified mail ) stating that all sources and report recipients should also be included in my consumer report and that I've also attached all the requested verification of identity. XX/XX/2022, I received CoreLogic Credco 's response stating that they " do not have the report you requested based on the information you provided about yourself and the report. '' I provided more than enough verifiable identification and CoreLogic Credco refuses to release my consumer file, sources and report recipients. A full investigation for identity theft can not be done without the release those documents from CoreLogic Credco. CoreLogic Credco is in violation of 15 U.S. Code 1681c-1 ( 2 ) ( A ), 15 U.S. Code 1681c-1 ( 2 ) ( B ) and 15 U.S. Code 1681g

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 2022-08-12
Company: Experian Information Solutions Inc.
State: GA
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 multiple attempt 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 XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$6400.00}

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 2023-06-22
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation