BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 I received a text message from Citibank saying a XXXX payment of {$2000.00} was being processed, immediately I contacted Citibank to explain that this was fraud and request they retract or block this payment and block my acckunt from further payments using XXXX. 

While talking to the Citibank rep. Another transaction of {$500.00} was made using XXXX to the same recipient. 

After hours of phone calls and countless promises from Citibank reps. That I would get my money back, they have DENIED my case and claim the transactions where not FRAUD. 

They have informed me that they have NOT contacted the recipient nor verified any details of how the transaction was made. Ie. No ip address check. 

I was told by Citibank to contact XXXX whom in turn told me to contact Citibank. I'd like to restate for clarity I DID NOT AUTHORIZE THESE PAYMENTS not did i ever send money to this recipient. 

I am at a loss to understand how money can be removed from my bank account woth absolutely now verification from me, and how this can be done when I call them immediately to STOP the transaction. 

I believe I my money should be returned and some type of security procedure implemented so others shouldn't suffer the way I have. 

Additionally a financial institution should not have the right to allow a non FDIC insured institution to be incloded in the mobile application.

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 2018-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There's many inquires on my report inwhich I have no knowledge of and if I can not be provided with physical documentation of the following then I'm asking for them to be removed as stated in the FCRA rule of law, not to mention I been a victim of fraud, here are the following inquiries in dispute, # 1 ( XXXX XXXX, XX/XX/XXXX ), # 2 ( XXXX XXXX, XX/XX/XXXX ), # 3 ( XXXX XXXX, XX/XX/XXXX ), # 4 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ), # 5 ( XXXX XXXX XXXX XXXX XXXX, XX/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 2020-06-26
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts.

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 2019-01-04
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Someone committed fraud by using my name and collected these online payday loan my husband took off to Alaska, now I left clearing up my credit,, my lawyer XXXX XXXX in XXXX, Ohio if you need to contact

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
CAPITAL ONE BANK USA NA - FINAL PAYMENT {$1700.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On MondayXX/XX/XXXX I found an add for XXXX  tickets on XXXX and I texted the seller who went by XXXX XXXX he told me he was willing to sell me a ticket for {$240.00} if i was willing to use XXXX. today XX/XX/XXXX i text the seller again I receive the payment information, and we decide on a meeting point so that we could start the transaction, I was given his email address XXXX I proceeded to send him the payment and am told that he will be at the meeting place in 45 minutes. He texts me claiming he is pulling in, and then blocks my phone number so that i can not contact him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Mercedes Benz Financial Services
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This account that is being reported 30 days late on XX/XX/2020 and XX/XX/2020 my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I would like for you to investigate the late payment history and prove to me that in fact was delinquent on the date reported. It is the responsibility of the furnisher to report accurate information per Section 623 of the FCRA and it is the responsibility fo the Credit Bureau to hold them to those standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
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 have sent TransUnion three dispute letters, verifying my identity and requesting investigations of errors on my bureau file. I have requested that the results be documented and mailed to me at the address that I provided. Please see attached as evidence of the letters and the dates in which TransUnion did not respond by 30 days. Each a violation resulting in a fine of {$1000.00}. I also provided a copy of the XXXX report displaying no information for the information that was stated to be confirmed during the investigation. 

Action : They refuse to correct information after being provided proof of inaccuracy. 
Violation : Defamation, willful injury Legal Jurisdiction : FCRA XXXX XXXX XXXX XXXX TRANS UNION XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). 

Action : Failing to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) Violation : Consumer Protection afforded by the FCRA Legal Jurisdiction : FCRA Section 611 Part ( A ) ( 1 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
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: Their investigation did not fix an error on your report

Complaint:
I have sent Equifax three dispute letters, verifying my identity and requesting investigations of errors on my bureau file. I have requested that the results be documented and mailed to me at the address that I provided. Please see attached as evidence of the letters and the dates in which Equifax did not respond by 30 days. Each a violation resulting in a fine of {$1000.00}. 

Action : They refuse to correct information after being provided proof of inaccuracy. 
Violation : Defamation, willful injury Legal Jurisdiction : FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). 

Action : Failing to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) Violation : Consumer Protection afforded by the FCRA Legal Jurisdiction : FCRA Section 611 Part ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent an international wire transfer through Remitly to my family on XX/XX/2020. I have a confirmation email stating that the funds would be available in my family 's account on XX/XX/2020 PT. The full amount was taken out of my account but my family never received it. I received an email from Remitly on XX/XX/2020 that my family 's bank needed to complete a XXXX check for the account provided. I called the respective bank, but they told me that they never require that for money wires coming in. On XX/XX/XXXX, I spoke to a customer service agent who helped me re-send the amount. They said that I should receive confirmation within a couple of hours. However, by XX/XX/XXXX the status of the wire was still pending. On XX/XX/XXXX, I asked the customer service agent to cancel the pending transaction because it was simply taking too long. They said they would cancel the transaction and refund me the funds in 24-48 hours but it is currently XX/XX/XXXX and I have not heard anything and my transaction is still " pending '' on the Remitly website. I am attaching the transcript file from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Paypal Holdings, Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello I used Paypal to purchase a product that was defective I tried to reach out to the seller who was non-compliant. The purchase was for {$240.00} when I did not get a reply back from the seller I contacted my bank who opened a dispute and refunded me the money but reversed the charge and took the money back because I hit the wrong dispute button by accident. I was supposed to hit the button that I am disputing it because I returned the merchandise. I hit the one saying I didn't receive it so when I found out I did the error by my bank I requested to reopen the claim so I can do it the correct way and I was told by my bank that they could not reopen the claim that I needed to take this up with Paypal and the seller since I have a tracking number proving I returned the merchandise back to the seller. I contacted Paypal numerous times to let them know they need to request that this seller gives me a refund since I sent the merchandise back and they have not been compliant at all in my favor to get my refund of {$240.00} even though I have proof and have told them the bank has referred me back to them. Their stance on the matter is that I opened the claim with my bank so I have to go through them and the bank said I should go to them. I feel I have been ripped off for {$240.00} for merchandise I have returned due to it being defective and I am already going through financial hardship due to the pandemic I do not have money for anyone to just take from me. All I want is my refund of {$240.00} that I spent because I returned the merchandise back and have tracking information from XXXX that the seller received it and signed for it on XX/XX/2020 its been 2 months i have been trying to get my money back from this seller through paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Dear CFPB, My name is XXXX XXXX. I am complaining about getting my usbankrelia prepaid card from usbank because they said I have to get the state to update my address and phone number. I am having trouble getting a card mailed to my new address. On XX/XX/2021 I had spoke with the Louisiana workforce commission office representative and the usbank and they both can not help me with this horrible situation. I have benefits from the unemployment office. I am devastated because I can not pay my bills and support my child due to not having my relia card from the usbank. The amount on the card is over {$1000.00}. No actions was taken place. You can email me at XXXX or call me at XXXX. I need my address and phone number updated on the my usbank relia prepaid card. My new address is XXXX XXXX XXXX XXXX. My number is XXXX. 

Sincerely, XXXX XXXX XX/XX/2021

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 2020-10-11
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a dispute in regards to 3 student loan debts that were being reported as collections on my credit report that I believed should have aged off of my credit report by now. On XX/XX/XXXX I received the results of the dispute stating that the information " is being reported accurately ''. Upon further investigation I realized that I also had late payments being reported on all three of those student loan debts including the one that is currently open ( which is the same loan, just transferred ) when in fact all of my student loans have been in forbearance since XXXX until present. They were just transferred, but we're NEVER late. 

I was able to find proof of the open account being in forbearance which is attached below.

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 2018-01-29
Company: ROYAL UNITED MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was checking on current mortgage interest rates online and afterwards I received about 20 calls from this company AFTER I told them I had picked someone else and NOT to call me anymore. They used these phone number each time. 
XXXX XXXX XXXX XXXX XXXX XXXX I immediately went to donotcall.gov and registered my cellphone and verified through email link. Get these guys. Very disrespectful calling me 20 times after I told them NOT to call me anymore.Thank you for your 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 2021-05-01
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
See attached letter from Credit Acceptance, which shows a balance of {$2900.00}. This account is very old and has been closed for many years. I look forward to it falling off my report due to age within the next 19 months. However, my credit report is now showing a balance of {$4300.00} from Credit Acceptance, as of XX/XX/2021. This company is attempting to commit fraud.

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 2018-06-10
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a final pre-collection notice ( first notice ) from MSB ( Municipal Services Bureau ). it stated i had 30 days to file a dispute. I filed the dispute within the 30 days. before i got a response back they charged a 22 % interest rate ( not mentioned in notice ). i got a response to the dispute and it stated they are not allowed to talk to the utility company, so there is no point in disputing the debt. I called the utility company that hired MSB and they stated i would have to discuss the problem with MSB. MSB refered me back to the utility company. MSB also staed if i filed another dispute they will charge an interest charge again. The also stated if i paid in full they will not follow through on the dispute so they can charge interest again. I paid the debt in full XXXX employee number XXXX with municipal services bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection company is attempting to collect a hospital bill which was already paid by the patients health insurance company. Collection company repeatedly, fraudulently, verifies that the debt is correct even after being notified by patients health insurance company as well as patient 's mother that debt was paid. EOB showing payment amount and in network participating provider documentation have been provided by health insurance and damaged individual. Collection company is currently causing significant monetary damages to consumer by way of reduction of credit score/denial of credit due to this fraudulently publishing.

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 2022-08-09
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:
There are still inaccuracies on my Credit report, which are 2 XXXX XXXX # ending in XXXX and XXXX. I have not gave them permission or consent for these accounts. under 15usc 1681a ( 3 ), they have done things without my permission. Also they did not respect my rights to privacy pursuant to 15 use 1681 a ( 4 ) as well. they never had permissible purpose which is under 15 usc 1681b ( 2 ). I never instructed them to furnish this report and I never consented to this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The bottom line is this : XXXX  and XXXX  have my credit scores both at XXXX. Experian  lists my credit score at XXXX. Experian  keeps sending me emails to sign up and pay a membership cost so that they can " fix '' my credit score. I have no mortgage, I have {$50000.00} in available credit card usage which is never over 7 % usage. I earned {$130000.00} last year. I have religiously paid off my credit cards at the end of every month since 2014. I have very old bad credit dating back 10 years or more, but other than that there is no reason why I would have a credit score of XXXX. I think Experian is trying to extort money from me to fix my score.

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 2019-01-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
on XX/XX/2018 I handed a check for {$400.00} to the lady working in the office at XXXX XXXX XXXX to cover my Husbands storage unit for the month that was late and 1 month in advance. I left and while driving home about 5 minutes later I called the lady and asked her to not run the check and I would bring her the cash of {$400.00} becauseI didn't want the check to bounce. She said okay and I brought the cash. She told me she DID NOT RUN the check when she took my cash. She handed me my check back and I ripped it up. A few days later my bank let me know I was overdrawn due to the payment that cleared to the storage company. I filed a dispute and requested they cancel the payment since I had paid with cash. They told me it would beep to 10 days until they resolve the issue. Well, a few times a week someone from Wells Fargo would call me asking for funds to put in my account, I kept telling them there is a dispute going on and they all said okay we'll work on it.. NO ONE EVER SAID THEY COULD NOT STOP THE PAYMENT. Later I find out that the lady that ran my check actually did an electronic check, which that alone was fraudulent of her for several reasons. I told her not to run the check, she told me she did not run the check. Moving on ... here we are in XXXX and now my bank account has been closed, the storage is claiming they never ran the check and are threatening to auction the storage due to non payment. No-one will help me and I have givin the storage my bank statement PROVING they took my money. They keep denying it. I am outside of 60 days now but have been constantly contacting both the bank and the storage company trying to get this resolved. My bank has sent me to collections already and I don't know what else to do. Also, when the bank notified me my account was closed it said I can still access my statements for 90 days. I tried to get my statements proving the check was cashed and haha I had no such access to ANY bank information. The storage people ( 3 ladies ) call me daily asking for money, its harrassment. The lady that took my check and cash knows what she did and still had the nerve to call me! 

Wells Fargo 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