BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: CITIBANK, N.A.
State: NY
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 COMPLAINT ID XXXX was issued by Consumer Financial Protection Bureau ( CFPB ). Since then, I have been working with Citi Cards to resolve the billing disputes. There are 3 billing disputes with the XXXX XXXX XXXX. 

On XX/XX/2022 Citi Card Case XXXX was resolved for the amount {$420.00} and {$420.00} was made to permanent credit to my Citi Card ending in XXXX. 

On XX/XX/2022 Citi Card dispute resolution team uploaded documents to my online Citi Card account for two other cases for XXXX XXXX XXXX Citi Card Case XXXX for {$610.00} and Citi Card Case XXXX for {$500.00}. The document that has been uploaded for Citi Card Case XXXX for {$500.00} is the wrong document. The document belongs to Citi Card Case XXXX for {$610.00}. In short, Citi card has uploaded the same document twice for two separate Citi Card cases. 

I have informed Citi Card to remove this wrong document for Citi Card Case XXXX from my online account and email me the right document. But thus far Cit Card has not removed the wrong document from my online account and also again emailed me today the wrong document for Citi Card Case XXXX. 

Citi Card continues to promise me that they will provide me with the correct merchant response for Citi Card Case XXXX but thus far has been unable. Without providing me with proper merchant response Citi Card put the charge back to my account. 

Please instruct Citi Card to provide proper merchant response for Citi Card Case XXXX. Until the merchant response is provided to me, till then {$500.00} should be removed from my Citi Credit Card account ending in XXXX. 

Thank You.

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 2023-09-19
Company: EQUIFAX, INC.
State: VA
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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
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 is missing that should be on the report

Complaint:
account information is not showing up on credit reporting

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 2023-08-20
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with SECURITY CREDIT SERVICE, They did not provide me with the original contract as i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a 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 non-monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting Act, the listed accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

I've have written to XXXX, Equifax, and XXXX by certified mail many of times to reinvestigate this account : XXXX XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A states, " I have the right to privacy ''.

15 USC 1681 Section 604 A Section 2. It also states, a consumer reporting agency can not furnish a/any account without my written instructions.

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

15 USC 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate.

Also, they aren't even in compliance with metro 2 reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: JPMORGAN CHASE & CO.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was asked to call 'Amazon XXXX after I could not access my XXXX account from my attempt to sign on. The number I was told to call was : XXXX. 

I was asked to transfer {$2000.00} via XXXX at Chase to close down 'fraud ' that appeared to be happening in my checking accounts. I realized it was a scam after I scheduled the transaction. I called Chase within 30 minutes and was told since I authorized it, there was nothing they could do. No recovery was possible. I had phone and date information on the scammer but they were not interested in that. I was told I have no recourse but to lose the {$2000.00}. 

The person I was speaking with called from : XXXX. They asked me to download the app : XXXX XXXX Support. They asked me to sign on to my bank account and they could see my balances. They gave explicit directions in what to do to eliminate the 'potential fraud. ' I reported the fraud to the Federal Trade commission. And I changed User names and passwords for all my financial accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1605 : Determination of Finance Charge the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # : XXXX, XXXX ) XXXX XXXX XXXX Account # : 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 2023-08-31
Company: FlexShopper, Inc
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX : XXXX # : XXXX I ordered truck tires from XXXX XXXX. They use Flex shopper as payment agent. When applying application ask how you are paid. I put monthly with hopes of paying monthly payments. Instead, as soon as tires were delivered, I was told the agreement is for weekly payments. I explained because account had been hacked, I was changing banks and as soon as I received the debit card and the new account was funded, I would make weekly payment. I was told after XXXX payments it would go to monthly payments. Then I kept being charged to the old account causing overdraft fees for old account and Flex shopper causing me fees on both accounts. Then I asked that old account be removed from account and my new account not be automatically drafted because this company is generating fees from old account, new account, and the Flex shopper account and never providing statement to alert for over drafts. The fees cost more than weekly rental of merchandise. Keep charging payments. I received the merchandise on XX/XX/2023, and as of XX/XX/XXXX, I have paid XXXX payments of {$45.00} overdraft fees of {$29.00} from old account 3 times and now one payment of {$82.00} and now another payment of {$45.00}. 
weekly. Plus, I have been blocked out of the account and can not see if any of the payments have been credited to account for tires. 
I am a service-connected XXXX veteran and all moneys come from department of XXXX XXXX XXXX XXXX and social security.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Maximus Education, LLC dba Aidvantage
State: IL
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:
XX/XX/XXXX - called Aidvantage to request refund of payments made during forebearance. XXXX approval for about {$9500.00}. Told I would receive check in XXXX weeks XX/XX/XXXX - called Aidvantage for update. Refund was processed on XX/XX/XXXX and would take XXXX weeks to receive refund. 
XX/XX/XXXX - called Aidvantage for update. They've done " all they can '' on their end, and now need to wait for government/treasury to cut check. Will not know how long it takes until my balance is updated in their system. From there, will take XXXX weeks to receive a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Frontline Asset Strategies, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First and foremost I did not do business with XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX XXXX and nor Frontline Assets Strategies LLC. They are trying to collect a debt for XXXX. Which I have no idea what the debt is for. Their email is very vague. They need to stop emailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Nelnet, 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:
There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
The identified transactions are not information related to any transaction by me as the consumer : DEPTEDXXXX  XX/XX/2017 DEPTEDXXXX  XX/XX/2017 Following receiving this notice do not place a fraud alert on my consumer file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: GA
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:
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Identification was stolen and XXXX XXXX XXXX with {$500.00} balance was obtained, under id theft. As a result there are several hard inquiries on my credit report. I was able to remove the reporting of the credit card from my report. The hard inquiries remain.

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 2023-09-19
Company: EQUIFAX, INC.
State: GA
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:
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My company credit card bill, originally from American Express, has been sent to collections through XXXX XXXX XXXX XXXX and I have received the collections statement. I went on a company issued training trip to XXXX, XXXX and was informed to use the card for flight tickets, room and board, food and COVID testing to reenter the United States and to fly. I also had to cover payments for another employee on the trip, who did not get card authorization prior to travel, so their card was declined. The company let me go and has now discontinued paying the credit card payments. 

I notified the original creditor multiple times that I was not responsible for the bill, and that the debt was not valid under my name, as it was a company card and issued trip in which I was asked to use the card. I was also required to assist the other employee financially on the trip. The original creditor continued to call, harass, and got very unprofessional with me, threatening me to pay the debt that was not mine. I let them know I did not agree with the debt and asked them to contact my employer for payment. I also attempted to contact my employer. However, they ignored all communication and still sent the account to collections under my name. 

The company required that I put my name on the account for the training trip, even though I did not desire to do so. No effort was made by either party to contact my employer and rectify the bill in that manner as their name is also on the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: IL
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:
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. 

Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) 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.

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 2023-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2023 I deposited a cashiers check in the amount of {$1900.00} into my checking account at Bank Of America. I was very suspicious and asked the cashier about it and they somehow tested the check and said it was authentic. It cleared to my account the next day. XX/XX/XXXX I was told the check was counterfeit and BOA drained my account.I was told BOA did me a favor, because I've been a customer, they cleared the funds to my account before the check actually cleared. I was told that I am responsible for the amount of the check. I did not ask for a quick turnaround and feel BOAs incompetence their own fault and not mine. The explanation was they don't have anyone to get their money back from. So this billion dollar company is taking it from me because of their incompetence. They said the fraud department wouldn't even investigate. I said I have the name and address of the person who gave me the check. I'm sure this wasn't the 1st time this guy did this.They had no interest at all. Apparently BOA has no interest in protecting its customers.

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 2023-09-19
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: FIRST PORTFOLIO SERVICING INC
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TOTAL VISA/XXXX aka Total visa 1 charged off the debt so they got paid for it 2 they have my balance wrong how I owe almost XXXX dollars and the card was XXXX limit. Also, other information is incorrect.

Company response to consumer: Closed with explanation