BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
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: Card was charged for something you did not purchase with the card

Complaint:
Friday XX/XX/XXXX -my card was pick pocketed around XXXX in XXXX XXXX -I  was using it for retail shopping, a few minutes later I noticed my card was missing -I immediately checked online and noticed an unauthorized trasanction -The retailer XXXX  XXXX was steps away transaction amount {$300.00} -I immediately entered XXXX, they confirmed my card was used by a lady -I immediately notified Citi who cancelled my card and mailed me a replacement As of today XX/XX/2021 the charge from XXXX  for {$300.00} was still on my card, Citi has not removed the charge, to protect my credit worthiness I was forced to pay the amount since I pay the card in full every month. I've tried many times to call Citi and continue getting transferred around until eventually the call is ended by dead air.

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 2018-04-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I tried to order XXXX tickets through Amex 17 months ago. They told me I had to open an account and would then be given early access to the tickets, but that there was no annual fee. I called and called, waited through the cue, but wasn't able to get the tickets. No card, no statements for a year. Then, in XX/XX/XXXX or XX/XX/XXXX, I received a statement with the only charge being the {$190.00} annual fee. I mailed the payment stub back with " please close account '' written on it. The next month I received the same statement with no mention of closure. My wife called and asked them to close the account, but they told her they wouldn't talk to her because her name wasn't on the account. The third month, I again wrote " Cancel Account '' on the stub and mailed it back. A few weeks later, I received a letter from American Express saying the account was closed, but that I would have to pay any charges that came through. When the next statement came, again with only the {$190.00} annual fee, I returned it with a copy of the letter I had received saying the account had been closed. Yesterday I received a different, shorter letter saying only that because I failed to close the account within 30 days of the first annual fee being charged, I was still required to pay the annual fee of {$190.00} on a card I've never used and can't use now because they closed it without telling me I'd be paying the fee without receiving any services. To date, I have not paid the fee and would like to avoid having it go to collections. 

Please note : because I never received a card ( or if we did, we've never used it ) and because Amex doesn't provide more than the last 5 digits on their billing statement or correspondence, I can't provide you the full account number. I can only say it ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please see My attached With Prejudice as a Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information SANTANDER CONSUMER USA it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am herby requesting all above disclosures required by Federal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX i sent a letter to XXXX  stating that I was victim of identity fraud with the police report attached. It was removed from the other two bureaus but XXXX  refused to remove the items on my report.

1. XXXX XXXX XXXX XXXX Account Number : XXXX identity theft 2. JPMCB CARD Account Number : XXXX identity theft 3. I have no acknowledgement of this account. Clearly this company has made a mistake XXXXXXXX Account Number : XXXX identity theft I have never heard of this company nor have I ever done business with them 4. XXXX XXXX XXXX Account Number : XXXX identity theft XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX identity theft 6. The following account is not mine XXXX XXXX XXXXXXXX XXXX Account Number : XXXX identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: ERC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company ERC ( Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion XX/XX/23 This letter is in response to your claim XXXX XXXX  has verified that the account that they are reporting is accurate. Please be advised that I have sent in a letter requesting a method of verification. Transunion has not responded. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) and ( 7 ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. Regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: SANTANDER HOLDINGS USA, INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
violated repo laws The Nevada Revised Statutes detail what specific information the notice must include. For example, the notice must : Itemize the loan balance, repossession costs, and any other costs or fees related to your default. 

show proof that i received it time stamped in date Never received right of redemption i never received it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: TX
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:
Inaccurate information on credit report. FTC violation. 

address : XXXX XXXX, XXXX, TX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX  : XX/XX/XXXX {$2000.00} 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 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 2018-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently checked my credit report and found several addresses and accounts that are not mine. Below I will list the accounts and addresses that are incorrect on my credit report. 


XXXX  : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX  XXXX Account XXXX XXXX Date Open : Balance : {$1100.00} Account Name : XXXX  Account # XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX XXXX  Address that I have never been associated with:XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX XXXX  fraudulent addresse : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Transunion : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account XXXX : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX Transunion fraudulent addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2023-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
My credit card company Capital One Bank is reporting 1 late payment in XX/XX/2002. I have never been late on this credit card. I have called the company and they said they would correct it with credit bureaus. They haven't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: TX
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 do not agree with the payment history on account XXXX  XXXX, XXXX. 
15 U.S. Code 1681d ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports 15 U.S. Code 1681i ( a ) ( 7 ) - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 3 ) Duty to provide notice of dispute

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 2023-01-27
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal, I am writing to express my extreme dissatisfaction with the handling of my account by your company. On Tue XX/XX/2022 XXXX PM, a representative " XXXX '' from the " PayPal XXXX XXXX XXXX XXXX '' suggested that " We will make any remaining funds, less reversals or debits, available to you for withdrawal on or before XX/XX/2022, and we will notify you of this via email. '' However, on Wed XX/XX/2022 XXXX PM, I received an email from " XXXX '' from the " PayPal XXXX XXXX XXXX XXXX '' informing me that " the funds are now available in your PayPal account that were held for 180 days ( XX/XX/2022 ) from the date of limitation placed. '' I would like to inform you that holding funds for more than 180 days is not allowed under the XXXX XXXX XXXX. As per the Fair Credit Billing Act ( FCBA ), a consumer has the right to dispute a charge within 60 days of the billing statement. As per the XXXX Funds Transfer Act ( XXXX ), a consumer has the right to dispute an electronic fund transfer within XXXX  days of the transfer. 

Furthermore, I would like to inform you that I do not have any transactions specifically between XX/XX/2022, and XX/XX/2022, the XXXX personal payments totaling {$590.00} as you have stated in your email. I have attached a screenshot to prove this ( Please see attachment ). 

Regarding the statement in your email " We notified you of this action through email the same day and requested that you a photocopy of your valid government-issued identification, proof of shipping, and explain the activity on Account. Later that same day, we received a copy of a screenshot of a picture, which we could not accept '', I would like to inform you that I was not asked to provide any documentation as stated. Instead, I was placed with a direct permanent limitation when I received a XXXX payment from XXXX XXXX. 

In conclusion, I believe that PayPal has mistaken or misunderstood my account situation. I kindly request you to re-evaluate my account and release my funds or to restore my account access back to its normal standing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sent a wire transfer of {$930.00} from my XXXX account to my Cashapp account on XX/XX/2023 at XXXX XXXX. I did not know of the maximum 2 wire transfers a week rule, so this was the 3rd one and it was declined by Cashapp on XX/XX/2023 at XXXXXXXX XXXX Cashapp informed me that it actually declined the next day XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  and that within 48 hours it would be sent back to the bank the wire originated from. That would put it sent back no later than Friday XX/XX/XXXX at XXXXXXXX XXXX, it never showed up. I talked to my XXXXXXXX XXXX first and they verified it had not been sent yet late Friday afternoon. They told me to ask Cashapp for documentation showing they sent the wire back and Cashapp refuses to provide me with this documentation. I've talked to numerous " customer support agents '' and none have helped me a bit. They just give me the same regurgitated information saying it will be sent back in 48 hours, we are way past that now. Cashapp refuses to help me in this matter and that is why I am writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, 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:
On XX/XX/23, 2 salespersons from XXXX XXXX XXXX XXXX, XXXX XXXX came into my home to do a XXXX system  demonstration with the intent to try and sell the system to me. After completing the demonstration, they offered me with 2 financing options through XXXX XXXX XXXX to purchase the XXXX system. The salesperson then asked for my, or my fiance 's social security number to " put it under one of our names. '' They said it is a " light inquiry '' that will fall off in a couple of days, and let us know that this inquiry was unlike an inquiry when shopping for cars where the credit is sent off to multiple lenders for approval. Without acquiring permissible purpose to pull credit via a hard inquiry, they submitted my information to XXXX XXXX, XXXX for credit purposes without making it clear to me as a consumer the nature of the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I wrote and mailed a check for {$200.00} which was stolen from a mailbox and altered to read {$2000.00} and deposited or cashed without being endorsed by someone other than the payee and not at my bank. I discovered this within 24 hours of the check being deposited/cashed and filed a fraud claim with my bank. Thirty-five days have passed and the funds have not been restored to my account and my bank so far is not taking responsibility. In addition, the clearing of the check put my account into a significant overdrawn position of {$1500.00}. While I elected overdraft protection on the account I was surprised that my bank would honor a check which overdrew the account by that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: GOLDMAN SACHS BANK USA
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:
Late paymemt/missed payment and closed account was reported on my credit report during the Covid-19 Pandemic. I had difficulty keeping up with the payment due to being laid off from my job to job. I have tried to find multiple job just from being laid off job to job due to the business closing and not need much workers.

Company response to consumer: Closed with explanation