BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank offered a promotion if a checking account was opened, so much was spent within a specified time on the debit card attached to the checking account, and qualifying bill payments were made out of the account. The promotional offer was XXXX miles on XXXX XXXX. When all of the conditions were met, Citibank claims that the automatic bill payments were not made -- which is factually false -- and now refuses to credit the bonus miles.

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 2023-10-11
Company: Chime Financial Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My employer XXXX XXXX ( XXXX! ) sent my pay to XXXX 
I have used the Chime card through them for months with no problems. 
Somebody changed the routing numbers from XXXX to XXXXXXXX XXXX which also is connected with Chime. 
XXXX sent a deposit to XXXX numbers on XXXX XXXX. 
They did proceeded to send a fraud alert email on XXXX XXXX. 
Never contacted me about the change to my account. 

I changed the numbers back to the correct ones. 
XXXX sent an email this time to make sure I had changed numbers. 
I had not logged on to XXXX in weeks prior to the change, but they are saying I had went to a scam website. 

Called Chime customer service and was told it would be sent back as the account didn't have my name. 
Numerous calls and emails later, I started talking with XXXX. 
XXXX wanted XXXX XXXX to send a indemnity letter, but they refuse saying they did nothing wrong. 

XXXX now tells me the money has went to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CHRYSLERCAP Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: AZ
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NV
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 violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX XXXX ( Original Creditor : XXXX XXXX ) acct : # XXXX, XXXX, acct : # XXXX, Personal information : XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX. 

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 account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of XXXX, I initiated a personal loan with Sail Loans for the amount of {$4000.00}. I was told at I would only be given {$1000.00} and after that was repaid, I would receive the {$3000.00}. My payments started in XXXX for the amount of {$100.00}, which are bi-weekly payments. I have made XXXX payments of {$100.00}. I told the company that I do not want the other {$3000.00}. I was told that could not be possible because I signed a contract. However, I was under the impression that I would receive the {$4000.00} at the signing of the contract and not just {$1000.00}, Currently, the company is telling me that I owe them {$3300.00} by Tuesday, XX/XX/XXXX and that I will receive the {$3000.00} between 5 and 15 days. 

I do not wish to continue any business dealing with this company. They have advertised fraudulently and misled me as a consumer. 

Thank you for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is XXXXne account and one inquiry on my credit report that is not mine I have sent letters to the bureaus as well as the furnisher reagrdign this and nothing is being done for this I need help please. 

XXXX XXXX - Account XXXX Date opened XX/XX/XXXX Amt {$0.00} Inquiry XXXX XXXX XXXX - Inquiry date : 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 2022-02-06
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX.is reporting on my XXXX and Equifax that I have two missed accounts but it states they are current. This is confusing and misleading to future creditors. If my accounts are current how are they missed. This is the type of fraudulent and misleading information that in violation to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 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 2021-06-18
Company: Shellpoint Partners, LLC
State: CA
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw a couple of items that were opened under my social number. I know for sure these items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have problem with Best Buy store in XXXX, KY. Last year, in XX/XX/XXXX, the store issued a credit card to me. With that card I purchased a cell phone XXXX XXXX XXXX costing {$250.00} I paid {$64.00} ; meanwhile I had a family emergency that obligated me to go out of the country on XX/XX/XXXX. Before I left I urged my nephew to make payment every month on the XX/XX/XXXX. My nephew was at Best Buy store to make payment having the last four digits of my credit card. What was amazing, Best Buy associates couldn't find my account, they wanted the 16 digits of the card. The nephew reported to me and I copied the recto and verso of the card and sent it to him by XXXX. It did not take 3mn to receive the message. My nephew showed the copy of the card again they could not find my account. Again they want to have my social security number. I called my nephew and communicate the number to him. He was told by the same people that the social security number did not recognized. How come? It is the only social security number I have all my life, and it was with the same number used when they opened my account at Best Buy Store. Now how my nephew can make payment since they do not have my account. 
I came back in the country on XX/XX/XXXX. I personally went to Best Buy store and I experienced the same experience that my nephew had with them. This time they did try with my Kentucky State ID, the result was negative. They continue to send my statement by email and with these emails, they ask me to contact them. I did call them several times but each time I gave them the 16 digits the account is still unfounded. Even if it was a money collection, they should direct me to the company that collects their money and to which I can discuss how to make an arrangement ; but they continue to add fees from {$190.00} it was to {$320.00} with a minimum payment of {$240.00} I called to the number XXXX and I was asked my account number but the account was not found. My social security number was needed, again it was not recognized. I was transferred to another department where I met Mr. XXXX whom could not do anything good. He transferred me to another department where I met Ms. XXXX ; she did not give me what I was expecting. 
This time I use the number on the back of my cardXXXX to call the customer service. One lady pick up the phone and asked how she could help me. I tried to explain to her the whole history but it was too long ; she asked me to write down and to fax them at the number XXXX. It was on XX/XX/XXXX. I wrote the letter 1 plus other 3 emails I wrote to Best Buy previously and fax them the same day at XXXX. 
Till now I do not receive any response from Citi.

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 2023-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, XXXX, and Equifax continue to report inaccurate information on account the account listed as XXXX XXXX Acct # XXXX. There are several inconsistencies which means this account information has not been verified and is causing me harm. 

Account # : XXXX XXXX XXXX Account Status : Closed Paid Paid Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXX - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Collection Management Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not my debt 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 explanation
Consumer complaint received 2021-06-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I logged into my Wells Fargo Credit Card account and discovered fraudulent charges being made against my card that presented as XXXX subscriptions. Upon further investigation I found these charges to be going back to XXXX of XXXX, which at the time is as far back as I can see. I also checked current rates with XXXX memberships and the amounts do not lineup so I doubt these are in fact XXXX subscriptions. 

I contacted Wells Fargo to report the fraud and request older statements to ascertain how far back the fraud charges went and if there were any other. In my conversation with their representatives when I asked why I was never mailed a new card when the one I was in possession of had expired in XXXX of XXXX I was told there was a bad address notice on my account. When I asked how an expired card could have been used for the charges I was told they would have just kept trying combinations of dates until one worked, suggesting at no point would their security have blocked the attempts or notified me.

Two weeks later I had still not received the statements nor the new card so I called back. This time I was told the card had been mailed out in XXXX and in fact returned by the post office, triggering the bad address note, and they had simply extended the expiration date of the existing card but never attempted to contact me. 

At this point I am still waiting for the now third replacement card to be expedited as well as statements of activity from XXXX to current so I can determine the scope of the fraud. I have made it clear to the agents at Wells Fargo that I suspect somebody within their organization stole my original new card in XXXX of XXXX and began using it illegally, and that the alternative is that they have absolutely zero security measure in place to prevent fraud and would allow the most basic of attacks. 

I find it insulting that at no point did they attempt to contact me when after my mother died and the account was 30 days past due they called me immediately. It seems blatant that their only concern is receiving their money and not their customers at all. 

Unfortunately at this time I do not have the exact amounts or dates as I currently do not have access to my account online nor any of the paper work I have requested. I am submitting this complaint now and will update with all relevant dates and amounts of charges as soon as I have them in my possession.

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 2022-05-31
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used cashapp to send and receive money from people I know. An individual paid me {$100.00} through cashapp and XXXX weeks later on XX/XX/XXXX filed a dispute with his bank on that XXXX. He has done many transactions with me before. He is scaming me out of the money by lying to his bank that the transaction was not intentional. Cashapp automatically started the refund process without checking with me. I reached out to their support and they said there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: PA
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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX  Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: In progress
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-06-12
Company: EQUIFAX, INC.
State: DC
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 received a notice that the status of two of my XXXX accounts had changed from " open '' to " closed ''. In addition, one of the loans was showing 4 late payments in a row. I have never missed a payment on one account and had only one thirty day late ( in 2016 ) on the other. ( account numbers XXXX on one account and XXXX on the other - detail attached ). 

I contacted XXXX ( letter attached ) and they indicated it was an error to report such information to the credit bureaus. They would remove it ( XXXX  XXXX XXXX ). They removed the 4 late payments but the bureau did not update the status to " open ''. This is artificially lowering my credit score and costing me thousands of dollars. This would be considered negligent non-compliance with the FCRA which requires the bureaus to report the proper current status of an item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NJ
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Company response to consumer: Closed with explanation