BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased airline tickets from XXXX XXXX with the promotion of receiving {$200.00} or {$250.00} off the flight i booked if i was approved for the Citi XXXX XXXX AAdvantage credit card. I paid off my credit card except for this {$200.00} which is now accruing fees. When i called CitiBank they told me this promotion was not available when i applied for the card. It Was advertised, or i would have booked my flight on another airline with a cheaper ticket. I am not paying the {$200.00}. 

Otherwise, i have excellent credit and don't want to ruin it. 

Please help, Thank you.

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 2021-06-16
Company: CL Holdings LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
XX/XX/2017, somebody that I had lived with me or near ... .I 'm unsure but at the time they used my information to add a line to my account and then just continued to let it go, unpaid. 
I was always in great standing when I had my service I thought I had turned it off and everything was paid I owed no money on any phones etc. Now I have this outstanding debt and I can't figure out who even had the other device and how it got so big. I'm disputing this because of fraud I did not give anyone permission to use my information to continue a service that I had disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: Netspend Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I woke up to XXXX different withdrawal deposits from my XXXX active account with Netspend that I use daily! I call Netspend only for them to tell me that Netspend decided to go into my active account and cover past due fees that were on XXXX different past accounts that date back to XXXX that of course have been closed XXXX inactive for years. I receive no warning letter about them about to take over XXXX out my active account for some accounts over XXXX XXXX XXXX not all accounts were XXXX XXXX XXXX but dates bk that far to collect, why wasnt I warned about these balances prior before instead of just taking money out, just going into my active account without notice especially considering how old the accounts are! Why wait so many years to collect when I have always had Netspend with active deposit. That was my rent money they took now XXXX in a bind because of them is this even legal to go so far bk XXXX without notice???

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 2015-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: The Aligned Company DBA Extra
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When I open this account on XX/XX/2021, I was told this is a debit card with a checking account, and it does not require any credit check. I closed this account 2 months after opening it. However, this debit card is shown as credit card and is still in open status today. I contact the company customer service, they again assured me it is a debit card, not a credit card. And in their current website, they still advertise it as 'debit card ' in a misleading way. I am currently applying for XXXX  business account and get declined for the reason 'Number of recently opened accounts on credit report ' because XXXX view this 'debit card ' as a credit card. After reporting this issue to Extra, extra 's internal team admit there's a mistake for my account, but extra refused to help me fix it by removing this account from my XXXX  credit report. Although Extra keeps assuring me that this is a debit card, not a credit card, but it is actually listed as credit card in credit bureau 's report and affect my life unknowingly during past 2 years. EXTRA is intentionally misleading its customers by advertising a credit card as debit card/checking account, and it is against my will to open a credit card. For me, it really feels like a scam, and all I am requesting is remove it from my credit report so it will not affect my life in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime has frozen my account and is refusing to accept the documents I sent now requesting bank statements which I can't access because they were my only banking account and it's frozen, I have over 8000 in that account and no access to it also my social security check is deposited in that account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: TX
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:
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx. XXXX Experian XXXXXXXX XXXX XXXX XXXXXXXX, TX. XXXX US Dept of Education/XXXX US Dept of EducationXXXX US Dept of Education/XXXX XXXX XXXX To Whom It May Concern , You received my request for the method of verification on XX/XX/2022. 
However, you failed to provide a method used to verify the information of the dispute and the source and the name of the person you contacted. Provide me with the method used to verify this negative item or delete the information. You are reporting false information on my report and you are in violation of the Fair Credit Reporting Act and the items under dispute must be deleted in 30 days or I will be filing a complaint with the Consumer Financial Protection Bureau and take legal action. 


Respectfully Yours, 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 2018-10-25
Company: Acquired Assets, Ltd.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of XXXX XXXX XXXX has been attempting to collect a debt for a merchant services that was opened in XX/XX/XXXXaccording to them via my credit report but according to a phone call I received after I sent them a validation letter of the debt they stated it was opened in XX/XX/XXXX. Regardless of when it was opened in XX/XX/XXXX it is not possible as I was working on a XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX  which can be verified with taxes and I provided them as well. The company they say it was opened with was XXXX XXXX XXXX   and I contacted them as asked and they have zero record of me. I requested proof of debt never got it and it still remains on my credit. I researched the original creditor and it would be for credit card merchant machines. This means they would have sent me equipment that would have a traceable merchant code to run credit cards and they could find no matching machined assigned to my name, my business name, or my social security number. This to me would constitute invalidation of the claim of debt. Please advise on my next steps. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After looking over my credit report I see the information is being reported wrong. So, I like to have the information reporting correctly on my credit report file. I had an account with XXXX XXXX that I paid off in full. But it is not being reported as so on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Awful bait and switch on a CD. I asked when I opened the account about a withdrawal penalty. I was told 2 months loss of interest by XXXX XXXX. This was at the time opening a the XXXX XX/XX/23. 

I ask via email XX/XX/XXXX, what would be the penalty for withdrawal. XXXX responded via email, 2 months. I went in today and they want to keep about 3 times that amount in penalty. That is what the computer says was the answer. I talked to the XXXX XXXX, nothing we can do. You were given misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
American Express is not reporting my platinum card to XXXX which is negatively impacting my XXXX credit score..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: POPULAR BANK
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
on XXXX/XXXX/2016 I used the ATM machine to deposit cash something happened that the only deposit credited to my account was {$680.00}. {$1200.00} was credited to another account, the transaction between the receipts attached are only 3 mins apart. I asked my bank to help me solve the issue but the branch manager 's reply was " you picked up another ATM receipt trying to get credit for money that is not yours ''.

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 2023-07-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I used my Citizens Banking App to deposit a check ... mobile deposit. I read the fine print and was situated to wait a few days for my money to clear. Five days later i receive {$220.00} out of my XXXX XXXXXXXX check and am informed that the rest of the funds will be available XX/XX/XXXX ... ... XX/XX/XXXX!? I don't even understand that's an entire week later than any other bank. This has cost me late fees and to be threatened with eviction for unpaid rent. I would really like an explanation as to why I should cope with those things and I've been to the bank to receive the rest of my money and nothing will be done and no explanation as to why my check is " suspect '' from my employer. Hands down it just seems criminal the amount of time I've waited to get to my own money no other bank would have taken this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  acquired my mortgage from XXXX. In 15 years I have not missed a single payment. As a matter of fact, I don't have any missed payments at all, on any of my accounts. In an effort to fraudulently obtain late fees, XXXX XXXX stopped withdrawing my automatically setup monthly mortgage payments while their portal still showed that payments will be coming out. Company claimed that the last payment was supposed to be mailed in, however they also sent me letters stating that I still owed them " installments '' ( plural ) ( please see attached letters ). Therefore, they used confusing and erroneous records online and in writing to damage my credit report and more importantly to generate late fees. It is a clear UDAAP violation. So on XX/XX/XXXX they sent a letter stating that I was behind on 2 installments while on XX/XX/XXXX they sent me a payoff letter where amount is less than 1 installment. They are clearly trying to defraud me while potentially violating FDCPA ( Federal Debt Collections Practices Act ). 

When I tried to complain and resolve this matter, multiple people hung up on me. It's clear that the company does not have a valid, traceable complaint management process. I finally, after spending many hours, reached their General Counsel. Instead of addressing the issue, I received a call from another contact service agent who refused to fix the problem. However, in 2 weeks I received additional letters stating that they are reviewing my concerns. That's clearly false since the agent said that nothing further will be done. This company is clearly intent on hiding behind many many letters to avoid following the law. 

I demand that my credit report be fixed to report that I have never been past due and that my account was in good standing. 

Thank you

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 2023-04-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX XXXX XXXX violated my rights , by reporting false information on my report, that result in multiple ( 3 ) late payments, i wish for these late payment be removed from my report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The servicer is denying my XXXX XXXX XXXX XXXX XXXX stating that I do not work for a qualifying organization whereas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my employer correctly completed and signed my application. 

On XX/XX/2022 MOHELA sent me a letter stating : " MISSING INFORMATION *- HAVE YOUR EMPLOYER CONTACT US XXXX You or your employer did not answer questions 9-12 in Section 3 confirming your organization type. The authorized official at your employer should contact us within 60 days of the date of this letter to provide us with this information so we can process your request. If you want us to consider your request after the 60 days, complete and submit a new PSLF Form and make sure to complete all of the required fields. 
For more information regarding qualifying public service organizations, review the Eligibility Criteria section of this letter. '' The XXXX application from was completed correctly and clearly states that : " 9. 
Is your employer a governmental organization? 
A governmental organization is a Federal, State, local, or Tribal government organization, agency, or entity, a public child or family service agency, a Tribal college or university, or the XXXX XXXX XXXX XXXX. Federal service includes military service. 
X Yes - Skip to Section 4. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: IL
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 don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a dispute to Experian advising them that the debt collection agency no longer has the powers to do business in California or to collect in California via the Secretary of State 's website and certificate of status. I sent them the information to support my dispute as I will be also attaching it here. Just in case they try to say it's the wrong company I am uploading both reports/statues.

The collection company can no longer report this to my consumer 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 2018-05-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I traveled to XXXX for medical reasons in XX/XX/XXXX. While there I attempted to withdraw {$60.00} for the Taxi fee to airport on XX/XX/XXXX and XXXX from the only ATM that dispenses dollars, at XXXX XXXX. The ATM denied my withdrawal since the amount requested was translated into pesos ( {$1100.00} on XX/XX/XXXX and {$1100.00} onXX/XX/XXXX ). The ATM request had a dollar sign " $ '' in lieu of pesos. I called Wells Fargo bank ( my bank ) to explain that I am requesting {$60.00} not {$1000.00}!. The rep I spoke with said she would have to raise my credit limit to allow the transaction. I argued that it made no sense since I only need {$60.00} and the ATM uses " $ '' for pesos. After much confusion she said to try again. I was able to get the {$60.00} and did so again on the XXXX. 
When I reviewed my statements I found I had been charged in dollars, and Wells Fargo refused to credit my the {$1800.00} they owe my account. I explained, and even asked them to call XXXX XXXX, since the withdraw limit is $ XXXX/day anyway. I have opened the claim twice with their Fraud Dept. with no effect. The Doctor i saw in XXXX called me and confirmed the bank will not dispense more than {$450.00}, and that the bank here is confusing the dollar sign for US dollars. Still Wells Fargo will not credit me the funds. Now they won't return my calls.

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