BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank decided to close my account on XX/XX/2023 without warning, of course by law they didn't have to give me a reason for the closing but they have a hold of my business funds and I can't pay bills until I get those funds back, they are saying its a 60 day wait and that means that I will be behind on two months of bills.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 noticed unauthorized accounts on my credit report in which I did not make the charge.

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 2021-03-09
Company: Tenaglia & Hunt, PA
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:
My XXXX  credit account was given to a Legal - collections company called Tenaglia and Hunt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX. I have tried for over 3 months to get in contact with this company to pay the debt. There is seldom anyone who answers the phone and when I do get someone i can never reach them again. In the meantime, while I did agree to a settlement and payment date to avoid a court judgement, I never received the documentation and settlement agreement and was never given the option to pay. I have called and left messages and never received the call back. 
Basically I can pay or settle the debt and have gotten threatened with Legal actions in the interim. 
The phone number I have XXXX ext XXXX XXXX XXXX - Account representative. 
If someone could please help me in addressing these issues and avoiding any more threats of legal actions or collections. I want to pay my bill and clear this- however they are not providing the resources to do so. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I randomly received a XXXX XXXX Visa Signature, Bank of America card in the mail, but I did not apply for the card.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2023-12-27
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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: GOLDMAN SACHS BANK USA
State: CO
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My CD with Marcus by Goldman Sachs matured on XX/XX/XXXX. I requested the account be closed. On XX/XX/XXXX I received email verification that the account was closed. By XX/XX/XXXX I had not received any funds either by wire or by mail and contacted G/S I was placed on hold repeatedly and was told they would call me back rather then me wait on hold. I did not receive a call back. XX/XX/XXXX I called and was told by XXXXXXXX XXXX XXXX  ) it takes 3 days for the money to be wired. XX/XX/XXXX, No fund received by my bank and spoke to XXXX then XXXXXXXX XXXX XXXX XXXX who said the account to which the wire was to was to be sent was a business acct. That is not correct is it a personal savings account. The same account the funds were initially send to G/S. I was then transferred to XXXX and requested a check be mailed. That would take 1 to 10 days. XX/XX/XXXX I received an email from GS requesting I call them back. Spoke with XXXX XXXX XXXX XXXX and XXXX, who needed to send a PIN to verify I was who I said I was. A verification code was sent to me each time I asked for the funds to be transferred or mailed. XX/XX/XXXX I called and spoke with XXXX who said the check was sent out overnight. XXXX I called G/S and was told the check was sent USPS and the tracking number is XXXX. I entered the number in the USPS tracking website and this message appears - '' XXXX doesn't seem to be a USPS tracking number. Please check the number and carrier and try again. '' This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$18000.00} ; XXXX XXXX XXXX XXXX : {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : DPT EDXXXX, DEPT OF EDXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 2023-10-12
Company: Foris DAX, Inc.
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On Saturday, XX/XX/XXXX at XXXX was using the Crypto.com App. While using the app, I refreshed the " XXXX XXXX XXXX page and suddenly an option to buy XXXX crypto ( for the amounts you'll see in the screenshot attached ) popped up. XXXX XXXX %! I acted quickly and purchased only {$25.00} knowing thatd still be an incredible amount. The transaction was successful the balance was in the millions! It was so many numbers! I could hardly contain myself! I was thrilled! 

I took the screenshow of the page to show my wife while it was still showing the XXXX % Then went to the account to take a picture of that as well. Thats when i noticed a massive discrepancy. Instead of millions, I received around {$20.00}. " Oh well '' I thought. It was a ton of money. The system was probably still catching up. Thankfully I had the screenshot for support, and could show them that I had just purchased the XXXX XXXX due to my receipt. I'd just explain. 

Having evidence on my side, and knowing it must be a mistake, I instantly contacted Crypto.com customer service. I explained honestly what happened. Showed them the screenshot. They explained that they don't offer refunds, to which I responded that I didn't want a refund, I wanted what I had been advertised. I wanted what I paid for, and asked if they could look at my evidence, and fix the transaction for me... 

From there I have endured lies, harassment, false promises, challenges to take them to court, potential fraud, customer service reps claiming authority to deny my evidence on behalf of the Crypto.com Board of Directors and Investors ... its been a mess. 

I have recorded conversations with Crypto.com customer support which supports every single word I say. I would not go through all of this trouble if I didn't have the truth and the Lord on my side. I request your assistance. Please. 

I have already informed the AG of Maine, the XXXX the FTC, and now you. I have sent the recorded conversations to the AG and XXXX I will send them to you as well, whenever you request such information. 

Currently, I am waiting for someone named XXXX from the Crypto.com Complaints Team to contact me regarding a decision on what Crypto.com will do about this situation. She said it may take up to 15 days, and that worries me. That's a lot of time, and many things can happen between now and then. I am asking for someone to contact them on my behalf and act as mediation. I'd like to settle with Crypto.com privately and compromise. I do not want to go to court if it can be avoided, and I want nothing more than the amount I thought I was going to receive for my {$25.00} investment. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: U.S. BANCORP
State: NJ
Product: Credit 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 contacted Elan Financial Services who is managing a credit card for Fidelity Investments in XX/XX/2023 to dispute a claim with XXXX XXXX XXXX in XXXX XXXX, Florida. 
On XX/XX/2023, Elan Financial Services decided to not dispute the charge claiming that it was beyond a 60-day period.

According to Fidelity Visa Signature Card Agreement, they state that If you are dissatisfied with the goods or services that you have purchased with your Card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. Nowhere within their Card Agreement does it state a 60-day period to dispute. 
When I approached them about this, they reopened the dispute on XX/XX/2023. 
On XX/XX/2023, Elan Financial Services stated in writing that " we are unable to assist you in resolving your dispute as you received the services represented by the transaction ''. I never received services. I am disputing a product that doesn't work. They stated to me on the phone that the matter was closed because there is a no return policy with XXXX XXXX XXXX therefore, they are closing the dispute. What is the reason? A service or product. Prior to this, XXXX ( Dispute Supervisor ) stated to me and my husband, XXXX XXXX that they will force XXXX XXXX into arbitration and that the no return policy didnt matter. I told XXXX that I have emails stating that XXXX XXXX will allow a return but for only {$2500.00} if I drop the dispute. XXXX advised me to not drop the dispute because I would not be allowed to reopen the dispute. At one point, XXXX, and XXXX ( Dispute Supervisors ) started attacking my character and were yelling at me. They made a complete 180-degree change in attitude. 
On a recorded line with XXXX XXXX of XXXX XXXX XXXX XXXX and myself, we together called Elan Financial Services and asked to speak with the dispute department and they refused to speak with us. We called twice. 
Elan Financial Services has been combative and argumentative and unwilling to look at the emails and documentation sent to me from XXXX XXXX XXXX. XXXX and XXXX ( Dispute Supervisors ) at Elan Financial Services are acting as if they never read any documentation I submitted.

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 2023-10-12
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights. under 15USC1681 SECTION 602 States I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2, It also states : A consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B States A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Creditors are Global lending services as of XX/XX/2023. XXXX  as of XX/XX/2023. American profit recovery as of XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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:
I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: NY
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:
I have a whole bunch of hard inquiries on my report I didnt authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: MO
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:
Someone gave me some court papers that I never seen until after the date I was not served and this debt does not belong to me and I fear they will try to have a judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had the DOI provide a student loan payment early XXXX for XXXX dollars. This amount was seen on my LES and I paid taxes on. I had spoken to a representative in XXXX for correct info on where to send payment. Late XXXX, I received into from DOI that there payment was returned. I contacted Nelnet, got someone who did not really know process of getting payment from a government agency of all places that they couldn't process. She got with another department and the info on how my check was sent by DOI was right. The only solution they gave was to send it again. She also asked if I could get the check from the Government and deposit it and pay it online, she knows this is not an option. My agency will try but my money is just floating around. Now I'm paying interest on loan amounts that should have been paid. I could not get an answer from Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Omega RMS, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a complaint against Omega RMS ( complaint # XXXX ) with CFPB on XX/XX/23 which has since been closed. I mailed a debt dispute letter, in writing, within 30 days of receiving the original notice of debt. Omega RMS claims to have received that letter on XX/XX/23, however, still contacted me which is a violation of the FDCPA. Once again, Omega RMS has broken the law as I have never received any debt validation letters as required by law, yet they still proceeded to report the debt to the credit bureaus on XX/XX/23. Under the FDCPA, section 809, if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Today is XX/XX/23 and I have yet to receive any such documentation. Furthermore, I received a call from Omega RMS once again on XX/XX/23 at XXXX, another clear violation of the FDCPA as it states, to continue to pursue the debt, they are required to provide proof, by mail, if not, the collection calls must stop. Due to these violations, I request the debt be removed from credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I accord with the Fair Credit Reporting Act, the list of accounts below are violating my federally protected consumer rights to privacy and confidentiality under Title 15 USC sect. 1681, et al. 

XXXX XXXX XXXX  acct. # XXXXXXXX XXXX XXXX XXXX  acct. # XXXXXXXX XXXX XXXX  acct. # XXXXXXXX XXXX XXXX  acct. # XXXXXXXX XXXX XXXX XXXX  acct. # XXXXXXXX XXXX XXXX  acct. # XXXX 15 U.S.C. 1681, section 602 ( A ) gives me the RIGHT TO PRIVACY.

15 U.S.C. 1681, section 604 ( A ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information- any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a couple of accounts that I have never had that's under my inquiries

Company response to consumer: Closed with explanation