BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My Costco Anywhere Visa, Citi Card was open on XX/XX/2020, with a credit limit of {$1200.00}. My balance last week was {$830.00}, and I paid {$700.00}. I discovered the weekend of XX/XX/XXXX that CITI lowered my credit limit to {$500.00}. See the explanation giving below. 
Critical Factor ( s ) Affecting Your FICO Score : Number of accounts with delinquency Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are essential to XXXX  Scores. Your score was impacted because your credit report shows one or more accounts with missed payments. '' I don't know what they are talking about, but if you can see on the account history I have attached, it's excellent. When people carry a balance, that is how they make money. I think they are doing this because the economy is terrible, and people live off their cards, not me. I have a job. And when they take action like this, it makes a situation worse.

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 2018-11-01
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I received {$100.00} into my PayPal account from a 3rd Party and per the application was told I could make a cash withdrawal through XXXX. I went through the requested steps which gave me 1 hr to withdraw with a code on the app. That expired as I entered the store so I got in line and then received another code. I went through the steps with the cashier but my {$48.00} withdrawal request was rejected three times even while on the phone for 30 minutes with customer service and then a specialist who suggested they were have Ng issues with withdrawal at XXXX I just do a transfer to my bank account. I told her the issue was timing and that I needed the funds that evening. The PayPal rep then assured me it would post within the half hour and that she would expedite it to make sure. I did as requested and received a message from the system that my withdrawal would be held for 24 hours due to suspicious activity. I immediately called back and was basically told by a different customer service rep and specialist too bad, nothing we can do, and she  shouldnt have told you that. In addition to the frustration of following the instructions to no avail, I dont appreciate people holding my funds and lying to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Bank of America is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I received a response from them but they did not provide the documents that I am asking and they did not update the credit report as disputed. 

I already paid the debt and want the account removed from my credit report. 

Bank of America is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After months of trying to rectify the problem with XXXX XXXX regarding an authorized charges and their egg Noreen my request and explanation of what was going on as a victim of identity theft. After submitting two separate FTC reports regarding the matter not only for the credit card itself but where the payment was coming from for that credit card I was told by XXXX  XXXX that I could not dispute the charges even though I already had and they somehow went ignored but rather that the card was now closed and I am forced to pay whether they are an authorized or not. They did not care about the CFPB report from you guys or the FTC report when I called as recent as last evening.

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 2022-08-12
Company: EQUIFAX, 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 rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$7400.00} has 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My name is XXXX XXXX XXXX. 
I closed my credit card account number XXXX at Citi a few months ago. 
and paid the balance in full. 
I was told that if there would be some credit posted back to the account by the vendor, that money would be returned to me as a check. 
There has been a credit of {$130.00} after the account was closed and Citi has failed to return that money despite my contacting them 3 times.

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 2021-04-22
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX This account was from XXXX a judgment was rendered XXXX with https : //XXXX there were no interest charges ordered for this debt however, XXXX has been adding monthly interest charges to this account, and reporting to the credit bureau as in an increase in debt with a current balance of {$110000.00} in an effort to continuously adversely affect my credit score each month in an effort to force me to settle with them to stop them from dropping my credit score each month this is extortion. 

Docket Entries : XXXX XX/XX/XXXX CIVIL FILING FEE {$80.00} LOCAL COURT COSTS {$20.00} DEPOSIT WAS PAID OUT AMOUNT {$100.00} ENTRY SENT TO ALL PARTIES. 
XX/XX/XXXX DEFAULT JUDGMENT : FOR PORTFOLIO RECOVERY IN THE AMOUNT OF {$1000.00}. INTEREST FROM XX/XX/XXXX AT THE RATE OF .000 % DEFAULT JUDGMENT : AGAINST XXXX, XXXX IN THE AMOUNT OF {$1000.00}. INTEREST FROM XX/XX/XXXX AT THE RATE OF .000 % DEFAULT ENTRY FILED. JOURNALIZED S/S GLW XX/XX/XXXX HEARING XXXX @ XXXX XXXX - DEF SCHEDULED BY : DE HEARING NOTICE SENT TO ALL PARTIES. 
XX/XX/XXXX MOTION FOR DEFAULT JUDGMENT FILED BY ATTORNEY XXXX XXXX XX/XX/XXXX CERTIFIED GREEN CARD # XXXX XXXX XXXX XXXX XXXX XXXX RETURNED FOR XXXX, XXXX SIGNED BY XXXX XXXX XX/XX/XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX SERVED TO XXXX, XXXX SUMMONS SERVED ON XXXX, XXXX. 
XX/XX/XXXX CASE WAS FILED WITH COURT DEPOSIT - RECEIPT NO. XXXX IN THE AMOUNT OF {$100.00} SUMMONS ISSUED TO XXXX, XXXX BY CERTIFIED MAIL. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX ISSUED XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: CA
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:
Hello, I have mailed certified letters to Equifax, faxed requested information on multiple occasions, and filed online disputes in the last three months in an effort to contest inaccurate information on my credit report with Equifax. Equifax is claiming that I do not have any credit history with them. I found this out by attempting to unfreeze my credit report this year in XXXX with them which I initially froze on XXXX/XXXXXXXX2017. I was advised to initially put this freeze/temporary fraud alert on due to the Equifax data breach. First the data breach, now the protection from the data breach is doing more harm than help. It seems that I have just disappeared from their database without any explanation. In my letter I explained to them that I needed this request expedited because Im in the process of applying for a home mortgage which requires a Tri-Merge credit report from all three credit bureaus, and they will not allow me to proceed without my Equifax report. My request were met with multiple phone long calls where I was transferred around in circles to multiple departments, and never once did anyone resolve my issue. They continued to request the same information which I had already sent, and the end result was always the same. I believe their has been a database error on their part, and no solution has been provided. Im getting concerned that they have mixed up my name and SSN # with someone else. Im at my wits end with Equifax, and I do not know what to do next because Ive been trying for months to remove the fraud alert, and they are saying I do not have a profile with them which is bogus. I have lost out on expediting my mortgage process, and Im still in limbo with the lending company Im working with due to Equifax. Any assistance is greatly appreciated, and Im attaching the documents that I sent to Equifax already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called the finance company on Saturday had a payment due but wanted to know why my vehicle was reported a repo. I told the rep i did not want to make the payment until someone could help fix my account she was rude and never listened to what i had to say. I called back on Monday and asked to speak to a supervisor and was transferred to 3 different reps. Not one accept the last supervisor listened. I agreed with her to make bi weekly payments starting on the XXXX for XXXX and on the XXXX XXXX. She also sent me my payment history a first in 3 years. 
Today i recieved a call from a rep at XXXX asking me about a payment i tried to explain that i spoke with a supervisor on Mondaydid n't get anywhere i am very frustrated with this crooked finance company that has just been sued in Mass and Michigan for there illegal practices.

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 2020-11-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Santander states I didn't dispute with them yet I did attempt to dispute via Santander through various methods before disputing with the credit bureau 's. Wether their records are kept is irrelevant to me. I'm not asking for goodwill. The facts are Santander said I wouldn't be reported late if I chose to do an agreement with them which I did when the pandemic began. I was told I could pay later. In addition, I extended my lease to cover the months of XXXX and XX/XX/2020. I signed on XXXX because they hadn't offered me the document to sign sooner. And, the request for payment assistance was done prior to becoming late. I can't say anything about your records keeping but this is the whole truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: FinCo Services Inc DBA Current
State: AZ
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 theXX/XX/2020, my sons allowance was allowed to be stollen from his current card. While he slept their lack of security allowed someone to charge at the same place,XX/XX/XXXX, Approximately 20 times in a few hours. They will not respond to us we must contact them only by text. They said if we would file a dispute form they would replace the money while the dispute is being challenged. When we check on it they text that they are still waiting for a response. They have not issued his Money back, they do not allow any contact, he has started school and has no access to his own prepaid money. We filed the dispute on XX/XX/2020 and no response and no money returned so he can remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: IL
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:
Equifax ; XXXX and XXXX are reporting incorrectly a late payment in XXXX, XX/XX/2018on the XXXX XXXX account number XXXX. ( Please see page 2 from the credit report attached. ) This account was closed in XXXX, XX/XX/2018 and reports a {$0.00} balance due. This incorrect coding and falsely reporting a late payment on this account is harming my credit score. Please delete this item from my credit report and/or change the coding error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One # XXXX is reporting a charge off on an account that was included in my Chapter XXXX Bankruptcy Docket #  XXXX. This account should not be in my credit report as it was included under my bankruptcy. I would like this to be removed as it violates the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: CA
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 have paid for my credit report expecting to get my credit score because i am trying to buy a Home. please put my credit score up ASAP. this is slowing down my process on getting a home. i have to be out of the place that i am staying in mid next month. i need this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account in response to a promotional offer on XX/XX/XXXX. 

The prevailing Supplement to TD Bank 's Personal Deposit Account Agreement, dated XX/XX/XXXX, said " Checking offer is not available to existing TD Bank checking Customers or prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months '' and explained the " Checking Offer '' as follows : " To qualify for the {$300.00} personal checking cash bonus : New personal checking Customers must open a TD Beyond Checking account and receive cumulative qualifying direct deposit funds of {$2500.00} or more into the new account within 60 calendar days of the account opening date. '' I had a checking account with TD Bank in the past, but that account was definitely closed before XX/XX/XXXX, so the Checking Offer was available to me as per the Supplement alluded to in the second sentence above. I opened the account and received cumulative direct deposit funds from my employer in the amount of {$3300.00} between XX/XX/XXXX and XX/XX/XXXX in three tranches - {$1100.00} on XX/XX/XXXX, {$1100.00} on XX/XX/XXXX, and {$1100.00} on XX/XX/XXXX. Note that XX/XX/XXXX is within 60 calendar days of XX/XX/XXXX. 

When I did not get the bonus after 140 days ( that was the waiting period, as disclosed by TD Bank at the time of account opening ), I sent a message on XX/XX/XXXX using the secure messaging system of the online banking portal. 

TD Bank responded on XX/XX/XXXX : " We have emailed the promotional offer review team. They have responded informing us that the account did not qualify for the promotional offer due to receiving a bonus on a previous account. Upon review, an account opened in XXXX received a {$200.00} bonus. '' I pointed out on XX/XX/XXXX : " The promotional offer stated 'Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months. ' Now your team is telling me that I am not eligible because I received a bonus on a previous account. Sounds like terms and conditions being changed after the fact. Looking forward to your response. '' The response came on XX/XX/XXXX : " Thank you for reaching back out to us. We apologize for any confusion. Customers can only ear a bonus for one checking and one savings account. Thank you for your time and be well! " Either the promotional offer was deliberately misinforming the customer or TD Bank wanted to rewrite their advertisement after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, and I am writing on behalf of myself to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-06-18
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX  ; Experian and XXXX  are reporting incorrectly a late payment in XXXX, 2018 on the XXXX XXXX account number XXXX. ( Please see page 2 from the credit report attached. ) This account was closed in XXXX, 2018 and reports a {$0.00} balance due. This incorrect coding and falsely reporting a late payment on this account is harming my credit score. Please delete this item from my credit report and/or change the coding error.

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 2021-08-05
Company: Circle Internet Financial
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Companies I am complaining against is XXXX  and XXXX 

This may not be the right category but can the loosely fit to this category and purpose of this organization. If not accept my apologies as i dont know where else to turn to regarding this issue. 

1. I had invested in an App/Company called XXXX through XXXX. This company was acquired by XXXX few years ago. There is no information about the progress of investor investments or acquisition deal size. They simply stated undisclosed amount. If they raise money from investors i think they are liable to share all the details with us. Let us know the dilution of the value and shares that occurred if any due tot he deal. Have veeb trying to contact XXXX, XXXX execs and XXXX execs for a while and no resolution has been given. I suspect there has been fraud done against investors and would like to get answers and if possible sue them for negligence or fraud or suppression of information. 

2. Another company i invested through XXXX is called XXXX XXXX. This company went sort of bankrupt and sold themselves most likely to their relatives ( but think its legal transaction ) for a loss of over 95 %. We the investors are not able to claim loss on this cos of the nature of the deal. Most importantly my issue is that XXXX advertise this as a successful campaign. This can be misleading as this was successful in collecting money from investors but is a failed company. 

3. In XXXX platform some of the details of the closed campaigns are gone and have to contact customer service to get these information. I would appreciate if they keep all information like round size valuation etc intact in their platform fro investors to review after many years of closing the campaign.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
State: UT
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 is reporting a charge off on an account that was included in my Chapter XXXX Bankruptcy Docket # XXXX. This account should not be in my credit report as it was included under my bankruptcy. I would like this to be removed as it violates the Fair Credit Reporting act.

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