BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for the {$700.00} Citi bank promotion - which required me to fund my account when I created the account, I didnt recieve my debit card and pin which are required to create an online account to access account number/fund my account. I called them after 2 weeks and they said they were waiting on more information, but did not send me any emails indicating what information was required. I emailed and faxed the additional information required but did not get any emails showcasing that the documents were recieved. 

Then, I got the email inidicating the futher information required and I submitted the information on the same day. THIS WAS ALREADY MORE THAN 30 DAYS LATER. 

I got the debit card 5 days later and I funded the account the very same day. I called the agent and they said I would still qualify for the bonus as the delay in creating the account was on Citi 's side. However, I did not recieve the bonus. I have called 8 times and keep getting transfered to different agents. No one has resolved this issue and they keep punting the complaint by asking me to call in 30 days. 

This is pure fraud and they are taking advantage of the customer. I know of 3 other people that faced the same issue because citi delayed their account creation.

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 2022-12-17
Company: Affirm Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/12 i get an email that my account is frozen and that i need to fill out a webform. I did not trust the email and I called immediately. I got a generic response that my account was frozen due to security reasons and nothing further. I was told account would be unfrozen within a half hour. Next morning I call after account still frozen. Im told i need to fill out webform which I do and that account would be unfrozen within 3 business days. Well its past that. Its the holidays and I need access to my funds. I can not go into a local branch as this is an online bank. How does a bank freeze my account and not have to provide a reason or a timeline to correct it? I asked for a supervisor several times and never got one. This bank has terrible customer service and should not be able to operate this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: UNITED BANKSHARES, INC.
State: WV
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:
Fraudulent withdrawal of funds ( {$510.00} ) on XX/XX/2021 from United Bank Visa Debit Card, linked to my checking account, by a foreign bill paying service based in XXXX XXXX XXXX XXXX XXXX. I, as the owner of the account, was contacted by United Bank 's Fraud department on XX/XX/2021 asking if I was authorizing this charge and I replied that I did not, it was a fraud, and I advised United bank not to release any funds. They replied that they could not do that, and I would have to report this to United Bank 's customer service department when they reopened for business in 48 hours. I contacted United Bank 's customer service department on XXXX and reported to call center representative ( XXXX ) the fraud. Was advised that United bank could not enter this fraud as a 'dispute ' that I would have to report this in person to one of their physical branch offices and I would have to wait for 5 days, until XX/XX/XXXX to report since the withdrawal was in a 'hold ' status '.

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 2023-11-01
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/23 I received an email that states that my application was approved then a following email stating that my application was denied based on bank account activity. I never authorized an application or an hard inquiry on my credit report. I have a fraud alert in my credit that request that lenders contact me to verify my identity and information before proceeding to open any credit. That never happened. Also, I looked on their website, and it says that checking eligibility doesnt affect FICO score, giving consumers the impression that there is no hard inquiry. So something is very dishonest and non transparent with Net credit. I called the company and did not receive any information XXXX inquired how this happened. I spoke to an agent named XXXX on XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: FL
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:
The 3 credit bureaus advised me to file a fraud complaint with the FTC to have all these fraud account removed 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 2023-11-18
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:
Account in dispute : XXXX XXXX I have provided full payment to XXXX XXXX for the alleged debt. It had been paid as agreed and never late but its showing as closed and incorrect payment history. 

I have provided certified proof the alleged debt was paid attached Please provide me with ALL documents XXXX has as evidence to prove this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I TRIED TO GET AN UPDATED CREDIT REPORT FROM COMPANY WITH THE NEW SCORES, THEY ARE SENDING OUT FAKE SCORES TO PEOPLE AND THEY HAVE FAILED TO UPDATE CREDIT REPORT XX/XX/2022 ACCORDING TO THEIR WEBSITE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Several months ago I applied for a ( XXXX XXXX ) Home Equity Line of Credit and was denied based primarily on a 2016 bankruptcy that was incorrectly reported by Equifax. I have provided them with indisputable proof that this is incorrect ( see attached ). 
There consisted refusal of Equifax to correct this error or explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: SYNCHRONY FINANCIAL
State: OR
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 are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX  add a hard inquiry on my credit reports. 
On XX/XX/XXXX, SYNCB add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX  XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by 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 explanation
Consumer complaint received 2021-01-04
Company: MAJR Financial Corp
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MAJR FINANCIAL CORPORATION Have contacted them since 2017 with documents to show that this account is apart of a identity theft case no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: IL
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: Credit Control, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a victim of identity theft and i mailed this letter to the company and i went on the company website to send this letter. and when i did. i was violated because i am sending a cease communication and the ONLY way for me to submit the email was to consent for communication. and there was NOT an OPTION to opt out on ALL COMMUNICATION with the COMPANY. 

XX/XX/2023 CREDIT CONTROL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : XXXX Dear CREDIT CONTROL LLC, I am responding to your contact about a debt you are attempting to collect. You contacted me by PHONE, on XX/XX/2023 AT XXXX XXXX  XXXX and MAIL dated XX/XX/2023. You identified the debt as XXXX XXXX XXXX. 
Please CEASE all communication with me and with this address about this debt. 
Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your cooperation. Sincerely, 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have already contacted the creditors who report these Inquiries that I do not recognize and are fraudulent and have already been reported to the fraud department. These are the fraudulent Inquiries 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX XXXX XXXX reported to all three bureaus transunion XXXX and XXXX hard inquiry Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and

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 2021-01-04
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, I awoke to a text from my bank. This is not unusual because I receive a text every morning with my balance. However, I should have had {$1200.00} in my checking account, and the text told me that I only had {$39.00}. Immediately I opened my banking app and saw that there was a {$1200.00} " Pay Friend Transfer '' to someone named XXXX XXXX I do not know anyone by this name, and I did not authorize any transfer of money to this person. 
Immediately, I called the customer service number to speak to someone, and I also froze my debit card, just in case the person tried using my numbers to purchase anything else. 
I spoke to someone who transferred me to the disputes department. There, I was told that I would need to fill out a form. No advice was given on whether or not I should close my account and open a new one, or how quickly I could expect to get the money returned. All that was said was, " fill out this form. '' Nothing could be answered about when I could expect to hear from someone regarding this incident ... just, " fill out a form. '' And now it has been FOUR DAYS and I haven't heard one word. Not one word. My money just disappeared and I am left with nothing for FOUR DAYS. Even now, I am sitting here typing this letter while on hold, just trying to talk to someone at the bank about this. I have been transferred 3 different times, and have been on hold a total of 1 hour and 15 minutes. 
I am a single mother with XXXX children who works XXXX XXXX XXXX XXXX XXXX XXXX. I am literally left with no access to funds and no one seeming to care or want to help. I'm tired of " filling out forms. '' I did nothing wrong. I was the victim of a theft, and I need my money. My rent was due on the XXXX, and I have had a transaction go through and now my account is in the negative. 
I just need someone to help me. {$1200.00} is such a large amount to me, I can not tell you how devastating this has been to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: NV
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:
Per FCRA, as a federally protected consumer, I am now opting out of any or all authorization that I the consumer XXXX have given you written, non-written, verbal, and/or non-verbal per XXXX XXXX Code XXXX. 

" ( b ) Opt out ( XXXX ) In general A financial institution XXXX 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 XXXX of this title, that such information XXXX 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. ''

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 2023-11-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX has information on my credit report inaccurate and is negatively impacting my credit report. 

The information is reporting late payments which is incorrect as well as unknown payments as I look at the payment history on the credit report provided by equifax. 

All payments should be current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Fifth third ba m continues to charge me excessive overdraft fees XXXX  of fees in two days. At this point I am beyond done with this bank Ive started preparing to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Paypal Holdings, Inc
State: NV
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:
I purchased items from a merchant, XXXX, using my XXXX XXXX card through PayPal. I did not receive the items from the merchant. I filed a dispute with my credit card XXXX XXXX and they with held payment. I finally received my items from the merchant and notified XXXX XXXX. XXXX XXXX advised they closed the dispute, and gave the money back to PayPal to pay the merchant. I contacted PayPal who advised they did not receive the money from XXXX XXXX. I ended up paying the merchant using a credit card outside of the PayPal platform. I contacted XXXX XXXX again, and filed a complaint through this agency Consumer Financial Protection Bureau. XXXX XXXX advised they did release the money to PayPal. I have spoken with multiple PayPal Representatives who have told me that XXXX XXXX issued a provisional payment to PayPal and they can not release the money for 75 days, due to the fact that XXXX XXXX can take the payment back. I contacted XXXX XXXX and they advised differently. I don't know who is telling the truth and who is lying, but I hope you can help me get the {$180.00} from either XXXX XXXX XXXX PayPal. I have been trying to resolve this since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Called into fifth third bank to discuss my overdraft fees and deposits the nasty lady transferred me to a different department in the middle of me talking. They have been charging me excessive overdraft fees even when the overdraft is due to disputes and incorrect charges and fifth third has told me regardless of why an overdraft fee is accessed they would not reverse any fees past XXXX dollars. They lady transferred me to the wrong department in the middle of me talking and asking a question. Trying to use their chat support people the agents just send templates and they end the chats without even speaking to me. They are continuing to charge me excessive overdraft fees and refusing to resolve the matters Im so sick of XXXX customer service with this bank at this point I have a Lawsuit filed against a company branch manager XXXX XXXX at the XXXX XXXX XXXX Illinois location referred me to and I named him in that complaint I will now be taking full steps to add fifth third bank as a third party to that lawsuit this is ridiculous. Nasty XXXX customer service and excessive fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 usc 1681 : There are accuracy and completeness : Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 usc 1681 sec.602a state I have the right to privacy 15 usc . 1681 sec.604 -2 It is also state a consumer reporting agency can not report any thing without my written instructions 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 reasonable cause to believe that the importation in inaccurate.

15usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause cause to believe that the information is inaccurate. 
You have a grave responsibility with fairness. I not only want fairness but also equity.

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 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 190 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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