BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This bank account was opened as XXXX many many years ago. XXXX was acquired by ING Direct, who eventually were acquired by CapitalOne. I had a scheduled bill pay for my rent that would ship the XXXX of each month for delivery by the XXXX. It's been in use for about four years and never been a problem. The XX/XX/XXXX payment went out as expected ( and fully funded ) on XX/XX/XXXX but on XX/XX/XXXX, my landlord called to inform me that the payment did not arrive. I expedited my landlord a paper check ( which cleared immediately ) and called the bank to stop payment. I was told I could receive provisional credit within 10 days, but it may take 45 for the dispute to be closed. The check did not arrive as a result of a failure by CapitalOne to deliver it by the promised date. The stop payment should be instantaneous ( this is XXXX after all ) and the funds should be returned to my account immediately ( or next business day, at the very longest ). I've now called twice, had my call escalated to a manger on both calls, and been told there is nothing they can do. At this point, all I want is my money back and to close my account. I'll never do business with this bank again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: WI
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: Problem with personal statement of dispute

Complaint:
Month of XX/XX/2022 disputed bankruptcy case and was not given proper investigative report in regards to the proper procedure of investigation in the decision making of verification and who reported bankruptcy was just told the court reported, After a written lettter to the United States Bankruptcy court XXXX XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX XXXX U.S. Bankruptcy Court in which I requested information regarding the court process or procedure for reporting information to credit agencies. I was made aware by XXXX XXXX XXXX. That the court for the XXXX XXXX of Wisconsin does not report to any credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Request was made on XX/XX/XXXX with FedLoans to refund all student loans paid during COVID-19 forbearance period ( XXXX XXXXpresent ). Call reference # XXXX. I was advised on a call XXXX months later that I would not be able to get my student loans refunded because I paid select loan sequences in full, which I later learned was a false statement. 

In XX/XX/XXXX I learn that my loans are being transferred to XXXX and received an email on XX/XX/XXXX that the transfer process had began. On XX/XX/XXXX, I saw that my account had now reflected my current balance and contacted XXXX to initiate the refund process. I was told it would take 60 days. I called several times over the course of 60 days for updates, and never received any update. After 60 days, I called XXXX and was advised that the wait would now be 90 days following the influx of forgiveness applications from late XXXX following the President 's executive order. Called after 90 days from original request ( late XX/XX/XXXX ) and told loans were still in process. 

Was just advised today by a supervisor after being on hold for XXXX hours and forty-five minutes that XXXX could not initiate the refund request because the loans were paid off through Fedloans, not XXXX. This was the first time I received this information despite calling well over XXXX times since original request was made on XX/XX/XXXX. I was directed to call Fedloans. 

I contacted Fedloans XXXX times today, XX/XX/XXXX, and each time I call, I receive an automated response that my loans were transferred to XXXX, and I can press XXXX for further guidance. All three times the call was dropped. 

I need to receive the refund from the Department of Education as soon as possible. 

Document attached highlighting all payments made entitled to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. 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 explanation
Consumer complaint received 2023-12-08
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Yes, maam I had a transaction of XXXX dollars from a company called CashnetUsa on XX/XX/XXXX I received the payment on the XXXX but I also called the company to say I did not want the money am before that time my account was negative XXXX when the money came I was no longer negative, because I didnt have money to pay loan back I called the company and made a request to cancel and they did from my knowledge the women named ( XXXX XXXX XXXX Illinois was my customer service helper I have screenshots ) canceled the funds the same day an took them out the next day, I seen my statement I was back negative on XX/XX/XXXX now they are trying to keep charging me XXXX a month for money I didnt use and gave bac If thats the case I will close this account permanently They decided to recind my offer like I want the money back Can we fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2020-09-14
Company: EQUIFAX, 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 located some negative accounts reported on my credit report, and decided to request an investigation process pursuant to section 611 of  the FCRA. After I sent my first set of disputes dated XX/XX/2020, I received a 1 document only from XXXX stating that, the letters were ineligibles, so on XX/XX/2020 I re-submitted all of the initial letters, and it is now XX/XX/XXXX, and I have yet to receive anything from either 1 of  the Credit Bureaus. Please note that I am in the process of buying a home, and the investigation, and response of these are extremely important. At this point, the credit reporting agencies are in violation of section 611, and 623 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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: Account status incorrect

Complaint:
I recently disputed some inaccurate information ( late payments ) regarding 2 of my accounts. The CRA has these two accounts, XXXX XXXX and XXXX XXXX XXXX XXXXo listed as late and that information is inaccurate. You can not report/treat a payment on an open ended credit plan as late for any reason. Refer to 15 USC 1666 ( B ). Also, under 15 USC 1681 ( b ) it states that I as a consumer would need to give them permission to furnish information on my behalf. To this date I have not granted any of these companies such authority. Any information must be verified and updated to ON TIME or removed.

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 2020-12-05
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Saw an ad for the Apple Card  from Goldman Sachs. Advertising is incredibly deceptive regarding impact to credit bureau ( ie hard inquiry ). Nuanced footnote between the notion of applying ( as in filling out the application ) versus accepting the card. I have images I can send.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2022-11-10
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/2022, I noticed that XXXX had billed me for their annual service of {$150.00}. I had just paid this amount on another card. I immediately placed an online dispute on my account. I was given an instant conditional credit for the charge. However, I made a mistake and accidently hit the resolve the dispute button in the system. So, I attempted to contact XXXX to resolve this matter. 

I contacted XXXX to ask them about the charges. The XXXX Representative could only locate the XX/XX/2022 charge and not the XX/XX/2022 charge. The XXXX representative said that I would need to conference in the Citibank account holder to validate the duplicate charges. So, I conferenced in Citibank who verified my identity before chatting with the XXXX Representative. 

The Citibank representative found the duplicate charges on the two Citibank accounts ( the {$150.00} on XX/XX/2022 listed on the account ending XXXX / XXXX ) and the {$150.00} charged dated XX/XX/2022 for the account ending in XXXX. The Citibank representative agreed, validated and confirmed that I had been billed twice by XXXX. 

The XXXX representative could not locate both charges in their system and asked the Citibank representative to file a dispute with XXXX so that this matter could get resolved. The Citibank representative indicated that they would and asked me to submit an email to Citibank Billing disputes and provided me with XXXX ID - XXXX. I submitted the credit card statement through email and added the case ID provided. 

On XX/XX/2022, I contacted Citibank again to find out the status of my dispute. The agent indicated that the prior agent had not submitted a dispute on my behalf and that the dispute had been closed. ( SURPRISE ). I asked the Citibank agent if they could resubmit the dispute and I was told that once a decision was made that a dispute could not be re-opened. The agent indicated that he would try to resubmit the dispute but could not guarantee that it would be resolved. He instructed me to send the credit card statement to the billing dispute department and include Citibank XXXX XXXX. I sent this email and resent the dispute. 

After an additional 7 days, CITIBANK HAS DONE NOTHING AND THE DISPUTE STATUS IS THE SAME. I think this is terrible and I can't get this resolved since XXXX can't find both charges and Citibank refuses to re-open and resubmit this dispute. 

I am writing to the CFPB to get this dispute resolved as I find no other way to get it resolved. 


Citibank Case ID - XXXX OR Citibank Case XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08
Company: AMERICAN EXPRESS COMPANY
State: WY
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received two {$100.00} AMEX Gift Cards. I activated both and each said I have {$100.00} balance. However, I have repeatedly been declined while using these cards for amounts under {$100.00}. I have called and they say they should work and offer no other support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: VA
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-11
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I called BSI Financial Service at XXXX on XX/XX/2023 to verify what happened with the check send on XX/XX/2023 and the agent told me that the check did not arrive because the address they send was misspelled, he told me to follow up on XX/XX/2023 I could not do that follow up and on Wednesdays ' XX/XX/2023 I went to my office and the check did not arrived yet. 
I called BSI Financial services ' at XXXX on XX/XX/2023 around XXXX XXXX  and the agent XXXX XXXX number XXXX said exactly the same history the other agent said me on XX/XX/2023 that he was going to escalate the issue to the escrow cash team I asked him to a case number he told me that they do not provide that I asked him if there is a way I can receive information from the company of the status and he told me that they do not operate in that way and the only way is calling, so that I need to call on XX/XX/2023 to follow up. 
Because of this situation I think I am in a deadlock and not receiving the escrow disbursement timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX the natural person and consumer am submitting this complaint on behalf of myself with no outside influences. I have been a victim 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 non-monetary relief
Consumer complaint received 2023-12-08
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XX/XX/2023, Chime suspended my account. I had tried to transfer an amount under {$5000.00} to a different savings account, Chime then suspended my account and asked me to submit documents to verify my account. 

I submitted these documents 3 times on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX They do not get back to me. Customer service is not helpful at all mentioning i need to contact some " specialized team ''. it has been just under 3 weeks I do not have a payment method because of which I am financially on my last leg.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: AmeriCash Holding LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
At around XXXX Yesterday, I received an email alert from XXXX XXXX to log in and check my XXXX file. When I signed in, I saw that Sail Loan had placed a negative tradeline that I was XXXX, XXXX ; or XXXX  days past due. When I originally refinanced this loan ; I requested that the didn't report to the credit bureaus. The box was checked for my request. But, it's a very unprofessional representative that work at this location. She was sleep and I had to call corporate office to even get inside! I know foe a fact, that this company intentionally reported this Loan negative! What they did was against the law and I will be filing a IDFPR against this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE accounts listed below. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX 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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my XXXXl well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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