BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I like to make complaint against Citibank My debit was locked and cant get access To online banking I used my debit card online to make transactions and it was declined about three times then citibank locked my debit card and access to online banking I try to call them to verify my identity to restore my debit card they just ignore me and keeping my account locked.. 
All my money is there from work direct deposit paycheck and everything I can not purchase food and necessities using my debit card because they locked my checking account

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 2023-05-05
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2023 I contacted aidVantage to ask for a breakdown of ( 1 ) my current XXXX loan balance ( 2 ) my current XXXX  loan balance and ( XXXX ) total of all payments paid toward my graduate loans. They told me to contact the Department of Education. On XX/XX/2023 I called the Department of Education and requested the same as above and was told that aidVantage is the ONLY organization that can supply this information and to call them back. I called back aidVantage the same day and made the same request, they said they could not look this up but would make the request. I also sent them an email to make sure they understood the request. Attached is a copy of their response which is nonsensical. They said they do not have access to this information and asked me to find my original consolidation information and look there, but that makes no sense as it is about XXXX years old, would not contain interested accrued or payments applied and since my loans have been consolidated on multiple occasions, this is not possible. The Department of Education has made it clear that aidVantage is the only organization to supple the data and I hereby demand the send the information or forgive the full balance of all loans and submit a full refund for all payments applied. The are intentionally being negligent with my information, my payments, my balances and willfully withholding key information about my account. I would like to report them to the Federal Studen Aid for intentional and wilful disregard of the wellbeing of my account and finances and wilfully withholding pertinent information they are stewards of and required to disclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We have a savings account with CitiBank opened in XX/XX/XXXX. For several months we've transferred the interest earned on this account into our external, personal checking account, via desk top computer and the internet website for our account. We tried to do this around XX/XX/XXXX. XXXX but it would not let us transfer the money. We've called CitiBank various times since then but still can't get our money ( {$26000.00} ) out of this account. When we call them we only get foreign speaking people so the communication is nearly impossible. Everyone we talk to claims to be a supervisor. We've had no results. We want our money OUT of this virtual XXXXXXXX.

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 2023-08-18
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been having issues with my bank, which is Chase, regarding someone else stealing my identity and writing checks and withdrawing money at a branch in person pretending to be me. The first time happened with a check that was written for XXXX $ ( I have a picture of it ) I did all that is needed to recover that money and I got my money back. So I went to a branch in person to ask them to restrict my account and open a new one, which it happened. I asked the banker if he could tell me if the check of the picture is real, and he said yes. He was able to see that someone got checks in a branch in XXXX, CA. He explained me about impersonation which I might have understood why the check was provided to that person. Everything was okay until a similar situation happened last week with a higher amount. 
I noticed that XXXX $ was withdrawn from my checking account. So, I did the same thing we are told to do : call the bank, report fraud, and I was able to get my money back. I asked the representative on the phone if she could tell me how and where this happened, She was able to check and told me that it was a withdrawal made with a banker in a branch here in XXXX. She gave me the address so I can go ask, and I did it. I went to the branch and asked to speak to the manager who was on lunch at that time. I was really upset because anyone can clearly notice the signature on my ID is completely different from the signature of the withdrawal. I asked for the banker 's name who wrote that paper. They refused to give me the name of the banker for " security purposes. '' I understood that, but what about my security purposes? What kind of banker works there that they do not check the signature in the ID and the one that person signed at that moment? They only told me I have to wait until the fraud department do the investigation. I needed the money at that moment because I had to pay the bills. The branch where my money was given away to others is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 
After going through those moments where I had to miss work to try to solve my issue, I decided to close out my account with Chase completely. 
I would like the company to train their people better and get better ways of identity. Please, do something for me so other people do not go through the same XXXX I went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: NC
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:
15 USC 1681 SECTION 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my written consent! 

-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2023 I the consumer XXXX XXXX XXXX went to this dealership to enquire about purchasing a vehicle. 

Upon figuring out the terms it was revealed that i didnt have the capability to pay the loa. Therefore the dealership told me they would not run my credit. 

That was a lie. They ran my credit after saying they wouldnt.

15 usc 1602p states The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

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 2023-08-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: WA
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 Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 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 2023-05-05
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
See CFPB complaint XXXX for the whole history. 

In short, I bought the leased vehicle from US Bank in XXXX of XXXX. US Bank in XXXX of XXXX sent me an invoice demanding I pay tolls charged in the amount of {$940.00} plus a {$25.00} bank fee that they say they paid on XX/XX/XXXX. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX ) to see why I had any tolls due because I had a valid XXXX  XXXX XXXX toll transponder. XXXX  XXXX XXXX and the XXXX have reciprocal agreements to collect tolls for each other. At this time, XXXX said the invoice had not been paid by US Bank. 

I contacted US Bank and disputed the charge and demanded a copy of any form of payment that US Bank made to the XXXX because the XXXX was telling me they haven't been paid and I still owe the invoice. US Bank refused to provide me any form of payment and continued to send me collection letters that I disputed demanding the same information. 

I filed a complaint with the CFPB ( which is a waste of time ), and US Bank responded to them. You can find a copy of the documentation in the complaint XXXX. Problem is the CFPB closed my complaint once US Bank responded and without allowing me to upload new evidence of nonpayment from US Bank to the XXXX. 

You will notice that the XXXX Invoice is {$100.00} XXXX lower than the XXXX inovcie that US Bank says they paid the whole {$940.00}. That is because talking to the XXXX they had waived that {$100.00} XXXX in my favor during their research on my information regarding the XXXX  XXXX XXXX toll information. Of course all the rest will be removed but US Bank is still demanding payment when documentation I am adding here PROVES they did not pay 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 2023-05-05
Company: Eagle Financial Services, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
5 years ago I took out a high interest personal loan with Eagle Loans XXXX XXXX and shortly thereafter hit a financial crisis and couldnt pay so I contacted the office and spoke to the manager and explained everything to her, she was super nice I believe her name was XXXX and she stated that I dont need to worry about it as I had been a good customer before and she would write off the loan and not collect on it. I then decided to file XXXX XXXX but had to dismiss that when I couldnt afford my house anymore and was forced to sell it. I never heard anything from Eagle Loans again for 5 years consistent with what the manager told me until XX/XX/2023 when eagle loans contacted me and said they had located my loan and wanted me to pay immediately I explained everything to them and they just ignored what I said and said there was no record of that I asked then why would the loan sit there for 5 years with zero communication or collection attempts and that validates what I told you and they just ignored me. I offered to settle the loan for {$500.00} and they referred me to an attorney. I spoke to the attorneys collection manager and explained everything to her and she said that eagle loans claims there is not record of this and I asked then what did they wait 5 years to try to collect? And she didnt know. I then offered a {$1000.00} settlement in full in good faith even though I was given a verbal agreement 5 years ago that I would nott have to pay and the collection manager stated that she would speak to eagle loans and get back to me. Instead of ever getting back to me they just filed a civil suit asking for {$2100.00} plus 5 years of interest at 25 %. This company is ignoring what their authorized representative told me 5 years ago and acting in bad faith, an almost predatory manner with the statue of limitations up at end of this year. A company should keep their promises and negotiate in good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital One called me this morning XX/XX/23, to tell me that someone used all of my personal private information to apply for a credit card. I already have a credit card with Capital One. I told them that it was not me who applied for another credit card online. 
My wife told me that Capital One call her also to tell her that someone applied using both of our private personal information to apply for a credit card either late on XX/XX/23, or early on XX/XX/23. We did not apply for a joint credit card at Capital One. 
Capital One denied the fraudulent applications. I am sending a letter to Capital One so they can provide me the full application submitted online by the criminals, so I can file a police report with my local police department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: VA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Here are the following items items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$22000.00} ; XXXX XXXX XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: Convergent Resources, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a bill from XXXX in XX/XX/2023, but it did not provide a breakdown of charges. I called XXXX to request the statement of charges, but I did not receive it. In XXXX, I got my credit report which included a collection. I wrote to the collection agency to dispute this collection, and after 20 days, I received a final bill from XXXX. However, this bill also did not provide a breakdown of charges, so I have no idea what the {$1100.00} amount is for. I want to clarify these charges because I was not under contract with XXXX, and I sold my previous device to a retailer in exchange for credit toward a new phone. My new carrier, XXXX, checked with XXXX and confirmed that I did not owe anything. Please assist me in verifying these charges, as I genuinely do not understand why I owe 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 2023-08-23
Company: Experian Information Solutions Inc.
State: AZ
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:
hello on XX/XX/ of this year Experian was sent a letter to dispute my report for inaccurate information and have yet to get any response from this company.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

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 2023-08-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The company is on my account taking money from my account from a card that supposedly is mine which is not the card I am speaking about was my virtual card but on my account its able to withdrawal my funds which is not possible because no know where on Earth you can withdraw funds with a virtual card this card was canceled almost 2 years ago and the same card it's still on my account withdrawing money they are changing documentation adding false documents changing statements adding transactions when I fill out a dispute is for the wrong amount and wrong transaction they are on my stocks they are in my XXXX wallet taking falsifying documentation transactions dividends etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
To whom may concern, I'm writing to dispute the following information XXXX XXXX XXXX reported a New Account to your TransUnion credit file. Source : Trans Union Company : XXXX XXXX XXXXXXXX Address : XXXX XXXX  XXXX XXXX, XXXX, TX XXXX Business Type : XXXX Balance : {$1300.00} supplied BY TRANS UNION currently reported. I do not owe this bill. Trans Union denied access to my personal information from me. Trans Union will not allow me to get my FREE CREDIT REPORT, DENIED ACCESS TO DISPUTE ANY FAULTS DEBT. They are holding me back from accessing and disputing charges that affect my reputation as a debtor of my creditworthiness. They are retaliating against me for prior complaints to CFPB.

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