BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-18
Company: CITIBANK, N.A.
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:
I have had a checking account with Citi Bank for almost a year now. But I rarely use the checking account. So imagine my surprise when one day I looked at the account just for fun and giggles and see that my account was overdrafted XXXX because I did not have a balance of more then 1,000.00 for the month. Now keep in mind that when I originally opened my account with Citi Bank I told them that I would likely not have that amount every month because I would primarily use that account for XXXX etc. I was told that was fine because this is a total free checking. So imagine my surprise when I found out that I was overdrafted. Not because of my bad budgeting but because of Citi Banks Misrepresentation. So when I called to request a reversal of the overdraft fee that was not due to my lack of budgeting etc. I was told No because this account is required for me to have a minimum balance. And when I explained that I was told that this was a total free checking. I was still told that he would not be able to waive the fee. So I told him to close the account because this company is very misleading!!! Now yesterday just so happened someone XXXX me money not realizing that I no longer banked with Citi. ( So I thought ) because again I told them to Close my account. So in a panic i checked and what do you know!! The account was still open and they took another XXXX fee out!!!!!!!!! I am livid!!!! Especially when this account was suppose to be closed months ago!! Totally not okay!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-07
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
This happen on XX/XX/XXXX My Card Was Mail To A New Address And Someone Close Out My Old Card And On XX/XX/XXXX Someone Use My Card I called the company and said I can not get my money off my card and they just told me someone had used my card and I cant get my money back but they dd send me a new card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I have reported these inquiries as unauthorized and fraudulent and ask the bureaus to remove them they will not respond! Only inquiries I authorized are active good standing accounts on my credit report any inquiries not associated with a active account was not authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the payments I made in XX/XX/XXXX and XX/XX/XXXX as regular monthly payments Wells Fargo applied all my payment as a principle payment instead of principal and interest so it looks like I haven't made a payment in 2 months. I have gone into a branch to try to fix this and most recently I called into their call center. It still has not been corrected.

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 2022-08-08
Company: EQUIFAX, INC.
State: TN
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 numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: CITIBANK, N.A.
State: DE
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:
Problems with XXXX transactions showing up on this account when I did not make and I did not authorize any such transactions involving 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 2022-08-11
Company: EQUIFAX, INC.
State: MT
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 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Experian Information Solutions Inc.
State: MA
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:
I have been denied a credit because of in accurate information on my file with Experian Credit Reporting agency. I disputed the info last year and they supposed to delete and or correct it however they did not. I called Experian again today and they told me they will contact the creditors and get back to me. The status information on file shows the accounts were involved in a bankruptcy, however these account were a mortgages and a line of credit were paid in full and never were involved in any bankruptcy. I need your help here to get these derogatory information being removed from the file, since other Credit Bureau has no issue with this. I am in the process of refinancing my house again and buying a new car. Please help me here.

Thank you for your prompt attention.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I requested a papy copy of my consumer report because I was getting alerts of severe delinquency that was affecting my credit score. I recieved a report from Transunion and noted inaccurate information. On XX/XX/2020 I mailed a certified letter to Transunion asking them to reinvestigate an incorrectly reported account on my consumer report. I recieved a response dated XX/XX/2020 with an additional copy of the updated copy stating " Verified as Accurate ''. Having this serious delinquency being reported has impacted my credit worthiness and caused me to pay higher interest rates and be denied lines of credit. Transunion violated my consumer rights according to 15 U.S. Code 1681b.a ( 2 ). I have been caused great financial harm and emotional strain due to this inaccurate reporting and unwillingness to correct my report. As a veteran of the United States XXXX XXXX this information misrepresents who I am as a responsible 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 2019-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Bank of America Visa cards have had a feature called XXXX for several years. This allows the card owner to create a new referral number with restricted value and expiration, thereby not exposing the actual card to online merchants. 
This past weekend a message occurred every time I attempted to create XXXX numbers saying the system was undergoing maintenance and no new numbers could be created. After 3 days, I contacted customer service and was told the maintenance was done on Friday, XX/XX/XXXX and it included a new restriction that only 20 XXXX numbers could be created during the life of the card! There was no advance notification by mail, email or alert and the online help system does not state the restriction. This is unreasonable since it is a protection to both the user and the bank. Had notice been given, advance referral numbers could have been created for later use. Also, the current message is inaccurate and misleading.

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 2022-08-08
Company: Chime Financial Inc
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Chime, a financial services company and partners with XXXX and XXXX Banks, opened an unauthorized online account for a XXXX XXXX XXXX, using my stolen personal information and without my permission on XX/XX/2022. I received a card, in the mail from a Utah facility address ( which I believe is associated with XXXX  ) and closed the account with Chime on XX/XX/2022. The XXXX Bank name was on the shipping info with a routing number ( XXXX ). 
Since XX/XX/XXXX, I have tried to contact XXXX and Chime numerous times to determine how my personal information was fraudulently obtained and how they could open an account without my permission. I have followed Chimes instructions to get this information, but they are not forthcoming. They are in violation of the Federal ( FCRA ) Law to provide documentation on this identity theft. 
I found another Case ( XXXX ) dated XX/XX/2022, with the same circumstances in the database. This reminds me of the XXXX XXXX and XXXX Bank fraudulent activities to open unauthorized accounts for marketing credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX XXXX, I used Capital One credit card to make a pre-order purchase for XXXX. It was declined subsequently numerous times. Calling the call center, it turns out they deactivated my card without a consent and activated a new card I have not received. A credit card 's principle is reliability in purchasing ability, and Capital One failed to accomplish the very basic financial duties. I asked for a closure of an account or the annual fee waiver, and I got a very bad rep attitude saying I need to call her back after XX/XX/XXXX ( the account closure ) date to process this request. I have been on hold for 3 hours today just to get hold of anyone. The account is currently charged with the annual fee. If this complaint does not resolve, I am willing to take this to a small claims court where my hourly fee will incur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, 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:
EVERY ACCOUNT THAT IS LISTED HAS BLANK OR MISSING INFORMATION. I CANT DISPUTE WHAT I CAN NOT SEE. THE CREDIT REPORTING COMPANIES ARE ALLOWING THE CREDIT REPORTERS TO REPORT MISSING INFORMATION OR COMPLETELY BLANK LINES. EVERY BLANK SHOULD BE FILLED OUT OR STATE NOT APPLICABLE. THIS IS RIDICULOUS. IF THE REPORTERS ARE NOT GOING TO ADHERE TO A SIMPLE STANDARD OF COMPLETE INFORMATION THE THE INCOMPLETE INFORMATION SHOULD NOT BE ACCEPTED. ALL MY ACCOUNTS ARE MISSING THE CRUSAL INFORMATION OF OPEN OR CLOSED. THE XXXX XXXX ACCOUNT DOES NOT STATE OPEN OR CLOSED THE ACCOUNT IS BLANK. THAT SHOULD BE EASY TO FIX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  is allowing a unverified debt to be posted to my credit report. XXXX  and Wells Fargo have not supplied documentation to prove I own this debt. 
Wells Fargo submitted a fraudulent unverified debt to the credit bureaus under my profile. 
Wells Fargo is fraudulently trying to collect on a debt that they do not have documentation to prove I owe. 
The documentation Wells Fargo has is a copy of a invoice that has a digitally imposed signature which does not match my Actual hand writin signature. Wells Fargo also supplied a proposal and agreement document as proof of the debts ownership. The documents does not have my actual signature any where on it. Again this is not my debt and no verification has been provided otherwise.

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 2019-04-08
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Calls me 5 or more times a day. Threatens to sue me and having me arrested if I dont pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This complaint is in regards to Carmax on line payment system and the over drafting of {$980.00} on XX/XX/XXXX, from my checking account. This is in addition to {$500.00} draft on XX/XX/XXXX. A total of {$1400.00} in 2 days. My accounts are negative and I will have nsfs from the bank and fees from creditors. THIS WAS PART OF MY MORTGAGE PAYMENT. CAUSING ME A SEVERE HARDSHIP! 
I am a great paying customer. I have never missed a payment nor been late since I originated the loan XX/XX/XXXX. 
I have notified Carmax customer service department over the past year that the on line system began to show a payment request of {$980.00}. They would tell me to over look it and that I could modify the payment on line which, the system would allow me to do so. There was a difference this month ( XXXX ) the on line system would not allow me to make the regular payment nor modify. I cancelled the process and called the Carmax office the next day ( XX/XX/XXXX ) to make the payment required and an additional amount of {$5.00}. During the phone call the representative did not inform me that a {$980.00} payment had already been applied. She took the payment of {$500.00} by phone. I informed her that the on line system requested I pay {$980.00}. I cancelled the on line process. I asked her why the system would not allow me to modify? I received the same answer as usual to " just ignore it. '' I made a requested of the representative to contact the Tech dept and inform them of the on line issue because the problem had gotten worse. Evidentally no one heard me nor cared! 
Again this has caused me to be in a financial strain. I want the {$980.00} reimbursed to me as soon as possible! I am requesting as well, Carmax pay all NSF and other fees that may occur due to their issues. 
They claim I processed the payment of {$980.00} on line. I informed them that I never received an email for confirmation of an on line payment. I would have inform them when I phoned their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My credit file is a reflection of my identity been compromised, therefore not only are my accounts fraudulent but the following inquiries as well. I did Not authorize these inquiries, and I'm demanding that they be removed.

1 ) XXXX XXXX XX/XX/XXXX2 ) XXXX XXXX XXXX XXXX  XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX  XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX  XX/XX/XXXX 9 ) XXXX XXXX XXXXXX/XX/XXXX 10 ) XXXX XXXX XXXXXX/XX/XXXX 11 ) XXXX XXXX XXXX  XX/XX/XXXX12 ) XXXX XXXX XX/XX/XXXX 13 ) XXXX XXXX   XX/XX/XXXX 14 ) XXXX XXXX XXXX XX/XX/XXXX 15 ) XXXX XXXX XXXX XX/XX/XXXX 16 ) XXXX XXXX XX/XX/XXXX 17 ) XXXX XXXX XX/XX/XXXX 18 ) XXXX XXXXXX/XX/XXXX 19 ) XXXX XXXX XXXX  XX/XX/XXXX20 ) XXXX XXXX XXXX XXXX XX/XX/XXXX21 ) XXXX XXXX XX/XX/XXXX 22 ) XXXX XXXX XX/XX/XXXX 23 ) XXXX XXXXXX/XX/XXXX24 ) XXXX XXXX XXXX XX/XX/XXXX 25 ) XXXX XXXX XX/XX/XXXX 26 ) XXXX XXXXXX/XX/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 2022-08-11
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent in letters to Equifax to have 8 accounts and removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened. On XX/XX/2022 I sent in letters to XXXX to have 6 accounts removed. I also sent letters to XXXX XX/XX/2022 to have 5 accounts removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Account No. XXXX RE : KIA Motors finance Retail Installment Contract XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear KIA Motors Finance, The confirmation notice dated XX/XX/2018 from your office cancelled ANY/ALL debt ( s ) and or payment installment contracts. The notice confirms that the debt has been paid in full. I have included a copy of the notice for your review. Please update your records as this information has been reported to the Consumer Financial Protection Bureau and a complaint has been filed. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Moneygram decided that I could no longer send money to my partner in XXXX and did not inform me of that for months. I was told that they would have an answer for me within 30 days as to why my transaction was cancelled on XX/XX/XXXX of {$500.00} and I called repeatedly back and no answer was given. On XX/XX/XXXX, after not having used the service for months, I tried sending money again and Moneygram this time took my money and said that it was ready to be picked up while my receiver went to two different offices in XXXX and was informed both places that the transaction was returned to me. However, the transaction has not been returned to me as of today, XX/XX/XXXX, and damages to our work and to his livelihood have resulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 was offered a job and was given a fraudulent check to be deposited in Bank of America from the company. The company scammed me because there was no job and bank of america said that they were going to protect me as a customer in case the check was fraud. Why would they allow a fake check to be deposited? They verified the check was good and allowed me to withdraw the money. I filed a police report a while back. Bank of America has the audacity to given me 60 charge offs! & has ruined my credit, I need this account to stop being reported to the 3 major credit bureaus, XXXX, XXXX, and XXXX. I will be filing a complaint with XXXX, CFPB, FTC and any other company that will accept complaints! This is unacceptable, I'm giving Bank of America the chance to do the right thing, to close out the account completely and stop reporting this on my credit. I not I will file the complaints and take this as far as it needs to go to get removed from my credit reports. I am sending a letter and letting you guys know that I want this to come off ASAP. please stop reporting to the credit bureaus. I will be waiting on their response.

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