BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contacted somone who advertised a house in XXXX XXXX, CA on XXXX website. He gave me the address, I checked to location and neighbourhood, I didn't check inside the house because it was occupied by others. I liked the neighbourhood and we agreed that I will occupy the house on XXXX of XXXX. We also agreed that I will pay on zelle, he gave me the lease contract, and I paid. Then I went to the house on XXXX of XXXX at XXXX XXXX, wait for him for 2 hours he didn't show up, I tried to contact him, he didn't reply may emails and text. I contacted Zelle, they send me to the bank, I contacted my bank XXXX XXXX, they said because I authorised the transaction they can't help me returning the money. They said they will do the investigation, but they didn't send me any mail about this. The scammers were two, a lady who is the owner of the property, she contacted me, we had a call and a realtor who was like managing the property for the owner. I paid the owner. I also contacted XXXX which the scammer uses, but they didn't take my call, send them an email but they didn't reply to me. I felt helpless as an international student in this great country. I lost $ TheXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I meet a guy on XXXX saying hes from XXXX and hes selling XXXX XXXX  XXXX  {$50.00} for {$45.00} and I made payment via PayPal to him Later find out card was already redeemed. He told me hes gon na refund the payment later find out he blocked me on PayPal and on XXXX. 
XXXX PayPal email ; XXXX XXXX sent {$45.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-18
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2020, I raised a dispute of or a {$190.00} charge from XXXX ( XXXX XXXX XXXX XXXX ) vacation package that was posted to my Citibank credit card and that I did not authorize. As part of the dispute " evidence '' the merchant ( XXXX ) provided to Citibank was simply a short verbiage claiming that I purchased the vacation package during a phone call, but did not provide a recording of the call as evidence. I, however, provided a 5-page documentation including attachments of my interactions with the merchant that very clearly supports that I did not authorize that charge. Citibank unfairly resolved the case in favor of the merchant and reversed the chargeback. On XX/XX/2020, when I spoke to a Citibank billing dispute representative about it, he agreed that the resolution was unreasonable too but stated that Citibank could pursue the case no further. I asked him what evidence the merchant provided to prove that the charge was valid and he stated that the only evidence that the merchant provided was that the credit card was valid, the merchant claimed that there was a voice recording of my call with them ( but denied to provide said recording ), and a document of terms and conditions. A rational person would clearly understand that neither of those constitute as evidence. However, Citibank still resolved in the merchant 's favor, which is very anti-consumer and goes against consumer protection laws established not only in this country but my state of residence in California as well. I implore Citibank to do the right thing and resolve this dispute in a fair manner.

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 2021-11-26
Company: EQUIFAX, INC.
State: MD
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 is a medical bill from XXXX reporting a collection on XXXX of my credit reports. The bill is from the birth of my XXXX in XX/XX/2018. At the time I was admitted into the hospital I was covered under XXXX insurance for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also added my daughter to my employer 's XXXX plan and it was back-dated to her date of birth. Additionally, I was in bankruptcy at the time of her birth. The collections is under XXXX and XXXX and says the original debt was incurred this year, which it wasn't. This debt should have been disclosed XXXX years ago, but I am just being billed for it this year. All of the previous claims that XXXX has sent me were handled by the VA. I have documentation to prove my claims and somehow the XXXX and Equifax are claiming that the debt is valid and correctly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have an Exxon Mobil " Smart Card '' credit card that gives a XXXX " Loyalty Reward '' rebate for every gallon purchased. I believe it is administered by Citibank.
For each purchase, the statement shows 1 ) address of gas station, 2 ) gallons and type of gas purchased, 3 ) a Reference number, 4 ) invoice number and 5 ) Amount paid.
The " Loyalty Reward '' sums up the total gallons purchased during the billing period and rebates XXXX per gallon ; and applies it to the amount due. But there are many instances where the " gallons and type of gas purchased '' is not stated. Instead it states " Miscellaneous. '' So the gallons purchased under " Miscellaneous '' is not used to calculate the Loyalty Reward rebate. I checked previous statements and it happens even 4-5 years ago. In a XX/XX/XXXX and XX/XX/XXXX purchase stated as " Miscellaneous '' I should have received an additional {$2.00} in rebate.

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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX and someone I don't know stole my identity

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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Several Inquiries on credit reports from XXXX and XX/XX/ 2021 after credit freeze and fraud alert placed in XXXX of 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 2020-03-18
Company: Experian Information Solutions 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:
I was made aware of two accounts with negative history appearing on my credit today XX/XX/2020 ; I found out that these accounts were on my credit because I went to refinance my car and I was told I did not qualify to refinance due to having negative accounts on my credit report. I was confused because I have always made sure to make my payments on time for any loan or credit card. I looked through my credit report and there was an account from XXXX XXXX & XXXX XXXX with negative payment history. Neither of those accounts is mine nor did I allow anyone to open them in my name. I did not benefit anything from those accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards either of those accounts. I am not affiliated with either of the companies listed above and I never allowed them to run or access my credit. I have filed a complaint with the consumer financial protection bureau regarding these unauthorized 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 non-monetary relief
Consumer complaint received 2016-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX Unauthorized inquiry this is my second dispute. I requested this company validate or prove I authorized this inquiry with my signature no proof ever was sent to me and inquiry was never validated showing my authorization over the pass 60 days. I need to this reinvestigated and actual proof of validation sent to me showing were I authorized this inquiry or remove inquiry from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an acount with XXXX XXXX, account # XXXX. The balance is XXXX. Equifax fails to reflect same XXXX balance after numerous attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I contacted Bank of America to inform them about that Id been scammed by the XXXX account which they linked to the bank for money transfer. I informed them that I made those transfers but was not given the service I was promised and they told me that they cant do anything about it. They linked the app to their bank and I believe they should be responsible because they required I sign up for the app when I opened the bank. My vendor did not deliver on the service and they are not holding any liability for this. Ive contacted the bank several times without them taking any actions to help me

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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My credit card account from XXXX XXXX XXXX XXXX is not reported to Transunion and XXXX credit bureau as XXXX is reported. 

I am still waiting on this account record to be updated to reflect accurately on my credit report. 

Please Help! 

I notified XXXX XXXX on letter dated XX/XX/XXXX. 

I notified Transunion and XXXX on certified letter dated XX/XX/XXXX. 


I have enclosed documentation and my authorization to investigate 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 non-monetary relief
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this account was in collections. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

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 2017-01-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Had loan for over 3 years and when making payments almost ex actually every 30 days and before they were due the principal amount and interest amount posted was always really different. On a payment of {$530.00}, one month {$100.00} to principal, next month {$27.00} to principal, next month {$43.00} to principal and on and on. Called them and they said it was all according to the number of days between payments. The difference was only 2 or 3 days. Would make additional payments between and nothing posted to interest. With no help or response I refinanced the loan to get away from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: LA
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:
My credit card account from XXXX XXXX XXXX XXXX is not reported to XXXX and Equifax credit bureau as XXXX is reported. 

I am still waiting on this account record to be updated to reflect accurately on my credit report. 

Please Help! 

I notified XXXX XXXX on letter dated XX/XX/XXXX. 

I notified XXXX and Equifax on certified letter dated XX/XX/XXXX. 


I have enclosed documentation and my authorization to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: SD
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:
My chase sapphire credit card had charged {$98.00} on XX/XX/2022 i been trying ti dispute i been in contact with them regularly and sent email attachments on XX/XX/2022 i did not hear anything but a run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Truist has been diificult to work with from the beginning but has become worse and less organized since at least XXXX I fell behind on my payments due to the pandemic and was working on a modification in order to catch up. I kept dealing with issues that were addressed in a previous complaint, but in the process of getting a resolution I decided to sell my home. I informed Truist of my decision both via email on XX/XX/XXXX to XXXX XXXX ( the Client Advocacy Officer who was handling my complaint ) and via phone around the end of XXXX. I never received a response from my email. I accepted a cash offer from XXXX on XX/XX/XXXX. When I called to inform Truist of the pending sale, I was told to call back within 30 days of the closing so I could receive an accurate payoff quote. I asked if any additional information would be needed ; I was told no. The closing date was scheduled for XX/XX/XXXX as I had a tenant who was scheduled to vacate on XX/XX/XXXX. The title company for the sale requested a payoff quote on XX/XX/XXXX ( according to Truist ) and verified that there was a sale pending. My tenant did not vacate as scheduled and The closing date was pushed to XX/XX/XXXX in order to ensure the property was vacant at the time of closing. At no point in time did Truist notify me that additional information was needed and I verified several times that my account reflected that the house was being sold. I was contacted around XX/XX/XXXX by an adjuster sent by Truist to assess the property value and because I didn't know anything about it, I contacted Truist. I was then informed that the home was in active foreclosure, even though the person I spoke with saw notes that confirmed the house was being sold and was under contract. They had no explanation and suggested I contact the lawyer who was assigned the file. The lawyer had very little information to offer other than saying the sale wouldn't be scheduled for another XXXX months. I tried calling several times and the phone systems either hang up when transferring or the person on the line can't provide anything other than basic information. 

Due to Truist being disorganized, non-responsive, and providing little to no information or communication, I am paying additional lawyer fees that diminish the returns on my home investment. I sent another email to XXXX XXXX XXXX XXXX 'd the CEO because although I doubt any real actions will be taken to improve the service, I am frustrated by the lack of professionalism displayed from the bottom up. I will never choose Truist as a servicer for any of my personal or business accounts if I can help it. I thought about opening an account with the proceeds from the sale but seeing how my mortgage has been handled, I will invest elsewhere.

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 2018-01-21
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I feel as though I should not have been approved for this loan. Its an extremely bad loan that Im in and Im needing to give the car back. The income calculated for me was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the company name is global client solutions LLC Is this company legitimet. Are there any complants against it.Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspect items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXXXXXX {$150.00} XXXX  XXXX XXXX {$66.00} XXXX XXXX XXXX XXXXXXXX {$690.00} XXXX XXXX XXXX {$50.00}

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 2022-03-27
Company: EQUIFAX, INC.
State: WY
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 XXXXt Account : XXXX. XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX Card Services account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX Card XXXX account XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation