BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I made a large purchase, which was emailed to inquiry if indeed i made the purchase and to approve it, they approve it, but then restricted the account by the fraud prevention. This fraud prevention was never requested, and its being used by citibank to harass me, limit use the card. Its not the largest charge. On XX/XX/XXXX made a charge of close to {$9000.00} paying property taxes online. This time was {$4800.00}, calls to Citi are transferred to some call center. They dont understand or speak american english, and they can not assist. The overseas call centers must end. 

A customer in good standing should be able to charge and use their credit without being harassed or shunned by citibank 's employees.

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 2020-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
I thought the matter was settled months ago but after speaking with XXXX  I was notified that they have no record of COAF contacting them with a letter of deletion. This company is FRAUDULENT LIARS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: VYSTAR CREDIT UNION
State: FL
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:
o Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act I have since XXXX XXXX XXXX XXXX XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report

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 2022-02-18
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX I received a letter from The Law Offices of Mitchell D. Bluhm & Associates , LLC requesting {$1900.00} from an ER visit from XXXX. In 2020, I was making monthly payments to another credit agency for this exact debt ( XXXX XXXX XXXX XXXX XXXX ). I reached out to XXXX XXXX via written letter requesting proof of debt and a halt on credit reporting until I am able to verify the debt on XXXX. I also contacted XXXX XXXX for proof of payments made. I never received this requested proof of debt from XXXX XXXX XXXX and today, XXXX, it was reported to XXXX as in collections and my credit score dropped XXXX points. I know that this is a violation of the Fair Credit Reporting Act, and feel that this was done spitefully because I requested to verify the information/debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony lowered my credit limit without my knowledge and even though my credit score has only gone up since I opened the account. I had a recorded phone conversation in which they stated they received notice from XXXX on XX/XX/2019 that I had high risk factors. They have had until today, XX/XX/2019 ( almost a month ) to notify me of this and yet I have still have seen nothing in the mail. I only have knowledge of any of this because I went to make an early payment ( Ive made several ) in an effort to lower my balance to improve my credit score. Their adverse action will lower my credit score and cause me undue harm. Their lending has proven to be predatory and dishonest ( see their XXXX star rating and customer reviews ). Im investigating bringing a Class Action Law Suit against them as Im clearly not the only person who has experienced this according to the multiple complaints on the XXXX and even on here.

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 2022-11-09
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
In XXXX, a fraudulent Square account was set up in my name. This business then charged almost {$10000.00} to a fraudulent credit XXXX XXXX Credit card also set up in my name -- - for " Intensive Therapy. '' [ A fraudulent business set up in my name at my home address, billed me on invoice # XXXX, for a credit card opened the day before, for one session of therapy totaling close to $ XXXX at my home address. In an of itself, this should have been thrown out ] The invoice is fraud, the account is fraud, and the charges are fraud. However, XXXX XXXX XXXX XXXX will not allow me to dispute the transactions because Square claims the business is mine. I have tried to resolve the issue with Square -- but they have zero customer service. I get a canned response. They claim they need the articles of incorporation for the business to discuss it with me. I have no access to the articles of incorporation in a fraudulent business. I can not get anyone from Square to work with me or provide the appropriate documentation and now am being charged by the credit card company because of Square 's incompetence, it's failure to protect its customers, and its violation of XXXX XXXX of Rights. 

I have provided them with information that my identity had been stolen ( through my mortgage lender breach - letter attached ), a copy of a police report ( attached that showed my home address was changed, and I was a victim of identity theft ), and provided all relevant information, as well a fake business receipt which looks like a XXXX XXXX XXXX developed it. Still, I am on the hook for this money and have received zero help or support from Square. I can not even get someone to talk to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: WELLS FARGO & COMPANY
State: FL
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:
Since XXXX of XXXX, I have been disputing my account with Wells Fargo for my Home Equity Line of Credit ( HELOC ). I have sent certified letters, regular mail and called to speak with the representatives of Wells Fargo. 

I have disputed all of my credit reports with Wells Fargo because they are reporting as if the account is currently delinquent and they are not reporting all of the account payments prior to XXXX. This account has been a charge off account for years and each time that I dispute the account it is re-aged as if it were a new delinquency showing as a collection account, not a charge off account. 

I have spoken with a representative of Wells Fargo and informed him that I received a letter back and it stated that the account is still CONSIDERED collectible with an outstanding balance. 

I explained to him that I have read the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCRB ) as well as the Statute of Limitations on filing with a collection agency and the courts. The representative put me on hold to speak with a supervisor and then explained to me that the account is not scheduled for expedited collections but I will periodically receive letters for the balance. 

I requested a letter from Wells Fargo and that they report the account accurately as stating in the FCRA AND FCRB and that I understand that the word Considered is synonymous with may and that Wells Fargo may file with a collection agency or they may not file with a collection agency, which from my understanding violates my rights. The home was foreclosed on and I only requested accurate filing status because it has stopped me from gaining employment due to inaccurate filing on my credit report, which I believe is an intentional act by Wells Fargo. 

I was informed that notes would be taken and forward to correct any misfiling on my credit reports, which has not been done to date.

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 2018-08-23
Company: JPMORGAN CHASE & CO.
State: NJ
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/2018, two fraudulent charges were made on my JP Morgan Chase Reserve Card, through XXXX XXXX, each one for {$400.00} USD totaling {$810.00}. Chase refused to acknowledge these charges as fraudulent. I've since filed complaints with the XXXX XXXX XXXX, XXXX XXXX   of the State of New York, CFPB, XXXX XXXX Police, XXXX XXXX XXXX XXXX in the XXXX, NJ Department of Justice, Local Police in XXXX, NJ ( where I lived at the time ), XXXX, The US XXXX in the XXXX, XXXX Internet Crime, and The XXXX XXXX  of XXXX, and my local XXXX. 

I have investigated this case with the assistance of some of the aforementioned entities for the past 4 months since JP Morgan Chase refused to do so. Chase, by law, is required to cover everything over {$50.00} for a fraudulent transaction. Before I file a lawsuit in small claims court, I would like to give JP Morgan Chase the opportunity to obey the law and give me back my stolen money. 

Incidentally, at approximately the same time, my XXXX account and Chase Private Client Checking account were also hacked, along with two of my emails and other accounts. Both XXXX and Chase recognized these as fraudulent transactions and put the stolen money back in my accounts, yet Chase refuses to acknowledge the two credit card transactions as fraudulent?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card in my name from Chime through the mail. I do not have any dates for when exactly it was received. I first got it on XX/XX/, so it was from this week in the mail. I was not given any specific details on the amounts used or taken, however, the company closed the account immediately and I would not be held accountable for any balances. No money appears to have been stolen from any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2019 I tried to buy something on XXXX I tried to use the prime service, instead XXXX charged me for the prime membership ( XXXX ) and XXXX dollars for the items from their website. ( XXXX ) After a few minutes I noticed my card was declined because of the XXXX prime membership that I didnt count with the XXXX dollar purchase. 

So I cancelled the items and prime membership. The prime membership was refunded immediately but the XXXX dollars are missing. 

XXXX says they didnt charge me. 
The bank has the funds in hold. 
I saw a hold but not the XXXX dollars. 
The bank claims their disputing the XXXX dollar charge. 
If XXXX didnt charge me where is my XXXX dollars?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX  # : XXXX, XXXX, Account Name XXXX XXXX XXXX XXXX # : XXXX, XXXX, Account Name : XXXX XXXX # : XXXX, XXXX, Account Name : XXXX XXXX XXXX : XXXX, Account Name : XXXX # : XXXX, Have 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 an 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 2022-11-12
Company: Experian Information Solutions Inc.
State: AZ
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX  # : XXXX, XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX # : XXXX, XXXX, Account Name : XXXX XXXX # : XXXX, XXXX, Account Name : XXXX XXXX  # : XXXX, Account Name : XXXX # : XXXX, Have 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 an 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 explanation
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My money suddenly disappeared from my account and it seems my money has been stolen or mishandled through Bank of America. Twice this week, I transferred money digitally between my accounts from XXXX XXXX, to Bank of America. First on the XXXX of XXXX and yesterday the XXXX of XXXX. I received confirmation of the transaction via email and text message confirmations from both banks and when I checked my account on both instances, the money was visible in my account. This morning, I received a low balance notification to my phone from bank of america and when I checked my account, my balance was set at {$0.00}. I have no new transactions on my account and now the lines showing the deposits/transfers are no longer visible as if it were erased from the system. This is very frustrating as I needed the money to make a purchase. Now the money is suddenly missing. I need to know what happened and where my money is immediately and I have yet been able to get in contact with a representative and have been on hold waiting to talk to someone all morning. I no longer feel like I can trust this company with my money and will most likely be closing my account immediately after getting this issue resolved because this is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One Bank wants to hold my funds deposited from an insurance check -- not a personal check -- for 5 business days and will not release them since it is a savings account. They won't even review it until after 24 business hours which is already 72 hours in real time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, United States about a Personal Loan Account with USAA Savings Bank - located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX in the amount of {$3200.00}. 

There were repeated calls from a number that was not identifiable, and I finally called back. I spoke with an XXXX XXXX, who identified herself as being with XXXX XXXX XXXX - calling in regards to my USAA account - she wanted me to give her personal information. When I would only provide the year of my birth- she wouldnt divulge any further information. She wanted my home address in " XXXX, XXXX " This is in direct violation of the USAA contract. At no times can an Agent of USAA give XXXX portion of the members Personal Identifyable Information- which includes name, *any* portion of the full mailing address, or Social Security Number. By providing me the City in which I live, the agent violated my rights as a proud member of the USAA family. I confirmed these rights as soon as I hung up with XXXX XXXX with a member of the USAA Staff and asked him to document my file accordingly. 

I have fallen into very difficult times- which USAA is keenly aware, as I have multiple accounts with them. In addition, I was a collection manager for over 30 years, and am very aware of the FDCPA, and of the privacy laws that the industry is governed by. Just because XXXX XXXX has loosened THEIR standards, it does not change the fact that my rights were violated, and USAA 's policies were not administered correctly by the agent. 

I am very seriously considering taking legal action at this point with my attorney, as this can not possibly be a random act by either this agent- or the company. I strongly suggest that USAA request every call from this agent for call monitoring, and from the group that handles these accounts as well - as management must have grown lax for such a privacy breach like this to occur. 

I am open to negotiating a settlement of this matter before legal action takes place - either USAA or a member XXXX XXXX management or legal team can contact me in writing at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or by phone at XXXX XXXX you must leave a message please, or call form a published number that identifies you - i will not answer blocked or private numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
In late XXXX, I was applying to a job online and the application took me to a credit score check which I believed to be part of the application. It turned out it was an ad for a company called Trans Union. Not realizing this was fraudulent, I took the credit test and was prompted for my credit card info ( not for charging purposes, but for one of those " your card will not be charged '' things. ) I entered it, took the test and thought nothing of it until I started noticing these recurring charges on my bank statement for XXXX a month for Trans Union. Having no memory of signing up with them, I got on the phone with Trans Union and asked that they cancel my account. I then looked up their company and found dozens of scam reports on these people. Regretfully, it seems everyone has the same story with them -- took a credit test and unknowingly got taken for XXXX a month. I want to report that Trans Union are frauds and are illegally charging for unwanted services without disclosure.

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 2018-08-23
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Buraus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 days.

Company response to consumer: Closed with non-monetary relief