BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the date of XX/XX/2023 a claim from an overseas online merchant XXXX had been denied even though the charges were unauthorized by me. Case # XXXX. I then requested Documentation from the bank that shows the evidenced used to come up with the decision to deny my claim. Upon finding out about the fraudulent charges I did change bank card and filed for a stolen card. Now when the bank emailed me back they sent a message stating that the documentation I requested is attached to the email. I opened the attachment extremely astounded when I find out that all they sent me was 1 of the disputed transactions showing in my everyday bank statement. The very transaction I was disputing and sent them. After speaking with an advocate and letting her know this. She was highly confused as well as decided it was necessary to reopen my case. 
On the ninth day right before I would be receiving provisional credit I all of a sudden got an email saying this was denied a 2nd time. So again I ask for the documentation used to come to the conclusion of a denied claim. 
After calling almost everyday for ten days or chatting with support and getting hung up on in my face twice in one day ive had it with them. Extremely rude customer service when I ask for something that they offer and is also my right. I had finally realized there had never been a proper investigation from this company and to prove it an advocate finally confessed that they don't have anything to give me they just made a decision just because. This blew my mind but at the same time gave me a sense of clarity and understanding. It has been given as evidence in both claims per signed statement stating that during the times of the transactions I was on the clock at work. At my job having your phone on the on the job results in immediate termination and possible charges brought against you because we deal with extremely high level and famous people who require extreme privacy when they come. I also gave no one any permission to use or spend money on my cash app because I've never given anyone the information to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I sent a western union in the amount of {$290.00} to A friend in XXXX and When they sent me a picture of the receipt I realized that only {$190.00} of the money was received. I was prompted to investigate why the full amount was not delivered and I decided to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: CITIBANK, N.A.
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:
On or around XX/XX/2022, I received a XXXX credit report and noticed Citibank is not reporting an accurate open line of credit. Instead on showing the credit and payment history Citibank and or XXXX has listed the account as no status effectively impacting my debt to credit ratio and credit score according to the report Citibank is not reporting this information. I believe this technique of XXXX/Citibank conveniently not reporting the line of credit is targeting Americans of XXXX descent and designed to lower credit scores and block the consumers purchase finance abilities. I want the CFPB to investigate this practice and find out how many Americans of XXXX descent are impacted by XXXXCitibank refusal to report open lines of credit with timely payment histories and fine all parties involved in this deceptive business practice.

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 2019-07-23
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
American Express Card is reporting incorrectly to XXXX  ; XXXX and XXXX on the AMEX partial account number XXXX. ( Please see page 14 of the  attached credit report. ) I make regular monthly payments to American Express, over the minimum amount due, and I have never missed a payment. The monthly payment due is {$920.00} per month and I am making payments of over {$1000.00} per month. As I stated above, I have never missed a monthly payment on this account. American Express is reporting lates on this account but can not provide a specific date. There are no lates to report. The inaccurate reporting of this account is a direct violation of the Fair Credit Reporting Act and is harming my credit score. This  information needs to be updated to report accurately on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: NV
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 was sent a email from Experian about my credit. As I looked into why my score was so low I noticed that on " my score profile '' the negative aspects of my credit are listed as " XXXX accounts paid as agreed. '' " XXXX XXXX paid down on installment loans '' and " no revolving activity '' which their own Experian report shows I have multiple accounts, revolving and installment, paid on time and as agreed. My Experian score is XXXX at this time while the other reporting agencies are over XXXX with the same accounting and reporting information. This leads me to believe that Experian is not accurately adjusting my score based on the tradeline info they are receiving from creditors. I have attached documents from their website. I chatted online with customer service and they didn't help or even seem to understand what I was trying to explain. Next I called in and the customer service rep. said I would have to take that issue up with XXXX XXXX. XXXX XXXX said they don't provide Experian with scores directly and that that would be a internal issue. I appreciate your time on this matter.

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 2023-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: GUARANTEED RATE 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:
THE FIRST PROBLEMATIC ACCOUNT IS 1 ) GUARANTEED RATE/XXXX  ( XXXX ) XXXX XXXX # XXXX OR GUARANTEED RATE INC. ( XXXX XXXX/ XXXX # XXXX AMOUNT {$0.00}. THIS ACCOUNT IS INACCURATE AT THIS POINT ITS FRAUD, THEY REPORTED AN ACCOUNT AS BEING LATE WHEN IT WAS WITH A WHOLE DIFFERENT COMPANY. NO FEEDBACK WAS NEVER GIVEN BECAUSE THEY WRONGFULLY REPORTED LATES TO MY ACCOUNT ( ACCOUNT WAS IN DEFERMENT/FORBEARANCE ). XXXX AND XXXX NEED TO REMOVE FROM MY FILE IMMEDIATELY. THE NEXT ACCOUNT IS 2 ) XXXXXXXX # XXXX AMOUNT {$3400.00}. THIS ACCOUNT WAS REMOVED FROM MY FILE AND REPLACED ON THERE ( I BELIEVE TWICE ). ITS ONLY ON XXXX. I'VE SENT IN A COPY OF AN OLD XXXX LETTER STATING IT WAS REMOVED YEARS AGO. BOTH ACCOUNTS NEED TO BE REMOVED FROM XXXX AND XXXX IMMEDIATELY. I'M GON NA FILE A CIVIL LAWSUIT AGAINST ALL 4 COMPANIES IF THESE ACCOUNTS CONTINTE TO LINGER FRAUDULENTLY ON MY FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Financial Business and Consumer Solutions.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today ( XX/XX/19 ) XXXX called 4 time consecutively starting at XXXX, XXXX, XXXX, XXXX. I was at the post office and couldn't talk but on the 4th call I picked up thinking that it may have been the camp my daughter was at to tell me something had happned. When I picked up, they hung up. I called back and spoke to a representative and advised her that they just called my 4 times in a row and wanted to know what they needed so urgently. She said that their records showed they had only called me once today. I informed her my records show 4 times with in 2 min and I would be reporting them for harassment. She again told me they had only tried once today. Please note that somehow their system is not logging all calls dialed out. I do have records that will show the date and times they called.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been locked out of the online credit freeze service at Equifax called MyEquifax, which only presents me with a screen that tells me I must call them to manage my credit freeze. This is acceptable although inconvenient, but on XX/XX/2019 when I attempted to temporarily lift my freeze over the phone, the automated system repeatedly told me I had a temporary lift ending XX/XX/2019, and then immediately ended the call after that information. By trial and error with pressing 0, I was able to reach a human agent, who verified some information but hung up before doing anything to fix either my online login or credit freeze problem. As it is now, I can not open any new credit if the creditor pulls my score from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: ALLY FINANCIAL INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have two complaints I want to file against Ally Bank. For the past 2 months I have had problems logging onto the Ally Bank website to manage my checking account. Each time I log onto the account I am forced to enter a security code that they send to me by my email account. Sometimes the code does not arrive at my email account and I can't log onto the account. I have filed numerous complaints about this with Ally Bank and they refuse to fix the problem. I would like to say I have had the same computer for 3 years and do not travel. There is no problem with my computer. I use this same computer to log onto other financial institutions with no problems. I have complained to Ally Bank numerous times about this problem. This bank refuses to fix the problem. I want to find a second complaint against them. Recently, Ally Bank contacted me saying they will no longer send me the security code to my email account. They now want to text or call me to send this code to my telephone. I want to file a complaint against this as well. I do not want to use my telephone as a means of logging into my checking account. This is an invasion of my privacy. I should not have to have or use a telephone to maintain a bank account. My telephone is paid for by my employer and they must pay for all the incoming calls. My telephone does not support text messages. I have filed complaints with Ally Bank about this new policy they have and they refuse to exempt me from this new rule they have. I want something done against this bank. I have been treated very unfairly. Sincerely, 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 2022-12-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
For over 6 months I was able to log-in to my account and make payments with no problem. Recently in XXXX or XXXX, my access to my account was removed. I have called Citizens Bank 3 times to try to get this resolved. When I attempt to log-in, it says my information is not valid. On my 3 phone calls to the bank we have confirmed all of the information I am entering is correct. We have confirmed my username ( e-mail address ). However, when I enter in the information it is not accepted. This must be a software problem or something. We have tried multiple computers, browsers, etc. They also tried to change my e-mail on the account to see if I could log-in. The system is preventing this. I even had a late payment due to the fact I could not log-in and make a payment. My calls were on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I call I am told that someone will get back to me within 2-3 business days and I never receive a phone call. I have been given a ticket number and told this problem is being escalated but it has not been resolved. The ticket number is XXXX. When I called on XX/XX/XXXX the operator did not want to give me the payment address and kept telling me to do the payment over the phone. I can not get into my account to see any information or pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX 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 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 2022-09-11
Company: Experian Information Solutions Inc.
State: UT
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account : XXXX XXXX XXXX Account number : XXXX Date opend : XXXX XXXX Balance : {$410.00} Contact info : XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX Account : XXXX Collections Account number : XXXX Date opened : XX/XX/2021 Balance : {$1800.00} Contact Info : XXXX XXXX Address : XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-07-23
Company: Consumer Portfolio Services, 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 pulled my XXXX & XXXX  credit reports and found CONSUMER PORTFOLIO SERVICES had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
on
XX/XX/XXXX I did sold a property with a pay off with CitiMortgage, after that closing on October the 2nd, CitiMortgage has charge me the monthly payment. I did Call the same day the person that respond to me said that was an error on there system but in 72 hours I will get me money back after the 72 hour I did call and get the surprise that will be together with the refund on the escrow account today after all this days struggling since that I have to aid other expenses I have not receive my money back.
If the mortgage is pay off way their system accept a new payment that was suppose to be refusing the service.
I did call the representative toll me that I have to wait 6 to 8 weeks to receive my money back.
My response was so is ok for the bank to get the person monies and pay back when they want but if the person is delay they charge you penalties and report to your credit.
The system is complete crocked companies and banks has all the power so we are trap on there white hand robbery

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 2022-09-11
Company: Skrill USA, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I opened an account with XXXX and made XXXX deposits for {$200.00} each totalling {$400.00}, via direct bank transfer. It should be noted that on the skrill website it clearly states that a deposit via direct bank transfer take " up to 3 days ''. To date the transactions show up in my account but my balance still shows as XXXX. Despite the fact that on the XXXX the {$400.00} was deducted from my bank account and sent directly to XXXX. I have called no less then 7 times, during which I am either hung up on, or told blatant lies, or my personal favorite was when the person straight up told me he has no clue and had no answers for me at all. I have messaged XXXX over 15 times and I get the same result, nothing. My messages are closed out and the status is changed to " closed : issues resolved ''. But there has been absolutely no resolution, I want my money from these people. I have been able to 0ut gas in my car to go to work, I can't pay for my kids daycare, or even buy food to feed my children. I'm in tears every single day because these people just took my money and I'm helpless, they will not give it back to me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Genpact Limited
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received A letter in XXXX 2017 stating that I had that which was to be collected for my insurance company. However I contacted the company and my insurance company at the time and my pharmacy and was not able to find any payments that were due. The letter said that my insurance company did not cover me at the time of the prescription however after calling the pharmacy and the insurance company is verified that I was covered and they do n't see any charges showing that I owe money. When I talked to the insurance company they tried to call the number on the letter and it just kept ringing and saying to get a number and they will call back. The person at the insurance company said it seems like it must be a scam because I do n't owe them money and this phone number just kept ringing and saying to give my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payments made to the retail store Raymour & Flannigan were not received in time because the Payee name and address on the statements received is not the same as the the actual bank Payee address ( TD Retail Card Services ) which was anywhere indicated ob the statement. 
See Attached submitted.

Company response to consumer: Closed with explanation