BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: CITIBANK, N.A.
State: AK
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/XXXX someone conducted a balance transfer from my Citibank credit card in the amount of {$7000.00}. And then apparently they tried another {$7000.00} balance transfer which would have put me over my limit and was rejected. I was notified of the rejection via email from Citi, which alerted me the successful fraudulent charge. I contact Citibank the following day. The representative filed it as a dispute, told me the charges would be removed in 2-3 business days. In addition, she re-numbered the account and sent me a new card. 

These two transfers were initiated by paper check, so apparently someone had gotten balance transfer checks that Citi endlessly fills my mailbox with. I asked the Citi rep to provide me with a copy of the check. She was unable to do so. Like literally, she couldn't access the check. She couldn't see who the payee was. She only had the same information I did : check number, date and amount. She gave me the phone number to Citibank Security Services. I contacted them, because the account had been closed/renumbered they couldn't access the information, and claimed once I received the new card and activated it they would be able to see the check. 

I received the new card and activated it on XX/XX/XXXX. On XX/XX/XXXX I checked the account online and the fraudulent balance transfer was still on my account. I contacted Citi again via phone and was told that the disputed charge would be removed within 2-3 business days. 

On XX/XX/XXXX I checked and the disputed charges were still on my account. I contacted Citi again as was told it would take 3-5 business days to remove the charges. At this point I pointed out that it had been 9 business days since I reported the fraud and I wanted the charges removed today. Citibank customer service is of no assistance at all.

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 2022-06-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

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 2022-06-15
Company: Experian Information Solutions Inc.
State: TX
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, 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 an 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 explanation
Consumer complaint received 2018-01-26
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX, Experian and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2020-01-09
Company: Stallings Financial Group, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im checking my credit and see it went down tremendously and I see a medical record that clearly isnt mines.Thankful I have NOT been to a hospital or gotten sick to have to. Strange enough the medical place is in XXXX, I love In a totally different state now. Anyway I called stalling financial to inquiry this fake medical record .. Finally after two attempts I got thru to someone. I called and let him know I need information on this debt you guys trying to collect and messed up my credit for. I think have him the information he needed and WALLAH! I wasnt even in the system and my name wasnt coming up ... Interesting strangely they didnt even have my name on file and told me to call the original debtor which is XXXX XXXX XXXX ( XXXX ). I called the the XXXX  and they had no clue about what Im talking bout or whats going on then hung up in my face Twice. I called Stallings back to let them know that what they wanted doesnt exist and they still couldnt find my information and told me to contact the credit companies. I dont even have an account number to begin with!! They didnt even have the account number, nor a bill to even provide bc its all fake hmmm how STRANGE!!! Im upset, stressed and angry!! Wasted a wholleeee day!! I need answers and dont have them!! This is bad on both companies part and I will be reporting XXXX XXXX XXXX  as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My prepaid XXXX debit card issued to me by ace check cashing @ XXXX XXXX XXXX XXXX NC XXXX, has been comprimised as of XX/XX/2022. I have had unauthorized charges and or withdrawals taken from this account. I recieve my XXXX directly deposited to this card. My funds were not available to me when i went to make a purchase today [ XX/XX/2022 ] and i was una ble to do so due to lack of funds which is when I became aware that my card/account has been used by an unknown unauthorized user. I proceeded to Ace check cashing located on XXXX XXXX and notified them that my card has some unauthorized charges. After doing so I was issued a temparary card and given a XXXX number to contact. So i called the XXXX number [ XXXX ] the agent answered the phone i explained that my debit card was being used by someone I was not aware was using my card. The agent responded i can help you with that. Then the agent asked me for the information from the temperary card as well as my email adress and phone number to verify my account and identity. I provided the agent with this information at which time the agent responded that they begin to rectify the problem and after a brief message I would recieve a confirmation number and they would be in touch. So i waited for the confirmation number aproximately XXXX seconds and the line went dead. When I called back to inform the agent that I did not recieve a confirmation number prior to the call being disconnected a diffrent agent aswered the phone and told me that this line was for retreving coupons and dicounts at grocery store chains. I replied i just called this number and informed the agent that my debit card was comprimised and he proceeded to tell me that he was able help me in addition to collecting my card information. This new agent replied once again that this is a couponing agency and proceeded to give me a new number [ XXXX ]. After calling this number and recieving a number not in service message I called the original XXXX number I was given [ XXXX ] again and was again told that this was a coupon hotline. So i asked the agent why did they both agree that they could rectify my issued with my card and collect my card information. The agent responded I dont know sir I was not the agent who answered that call. Then he once again went into his sales pitch for the coupons at this time I ended the call. Then I googled who to contact for debit card fraud and I was given the XXXX number. I called both on the weekend and after office hours so I was refered to this website and I began to submit my complaint. I would like to also note that this XXXX number that is a coupon line is also the reference number displayed on the back of the debit card I was issued by ace check cashing of XXXX XXXX. [ XXXX ] The total amount of finanance I lost is XXXX $ over the course of this month through unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a late payment in my Credit Report due to an error to my bill pay, I called the lender to explained them and they requested proof. 

TD Bank had told me that if I could get a letter from the bill payment company detailing their error, TD would remove the delay from the credit report. I have sent letters to the bill payment company explaining their error but have not received a response. 

The accounts involved are the following : Account number : XXXX XXXX XXXX XXXX Open date : XX/XX/2009 Balance {$0.00} Account number : XXXX XXXX XXXX XXXX. 
Open date : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Citizens Savings & Loan Corporation, Chattanooga, TN Branch
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Over two years ago, my vehicle was totaled and my full coverage insurance did not cover the remaining balance of the car loan. Then, because the car was still driveable and in overall good condition ( only the front bumper was messed up and the air bags deployed ) the loan company gave me the option to either hand over the car or pay off the remaining balance of {$1600.00}. Two years later, I am receiving harassing phone calls and visits to various addresses that were never provided to this collector. This collector has called my job multiple times and threatened my with arrest. He said that he will visit my house with a sheriff if I do not comply. Note that I have not heard from this loan company in over the years. Also, I called this man back about two weeks ago to try and figure out what was going on, and he told me he sent a letter in the mail explaining everything. I then told him I would read the letter when it came in and take whatever action I needed to solve the issue. However, I never received any letter yet the harassing phone calls have not stopped even though I told the man I wasnt paying any money until I read a physical letter because I believed the situation to be solved years ago when I handed over the vehicle.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I made a {$300.00} purchase of XXXX on Coinbase. ( My daily max buy limit was {$11000.00} ) received a confirmation of {$30000.00} transaction. Called and emailed Coinbase immediately to notify the amount was to be {$300.00}, not {$30000.00}. Received an email that it was canceled due to insufficient funds. Coinbase then increased my daily purchase limit to {$35000.00} and charged my bank. I was negative XXXX and savings account drained. XXXX bank reversed this. Coinbase is threatening to sell all my assets to cover this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I used my carecredit card for a cosmetic procedure with the company ( XXXX XXXX XXXX ) they charged me for services I did not receive. I have disputed the charge with Carecredit and sent in photos of before and after to prove they did not provide the services I paid for! I was charge {$16000.00} dollars on my carecredit card and {$7000.00} on my XXXX ( which I have paid for due to the use of the facility and medication for sedation ) and I have absolutely nothing to show for it, they sedated me and did not do what I asked or what I signed papers for or what I paid for!! They are a scam. I have rights, there are federal laws against this and they are lying!! This is absolutely the most dishonest, horrible act any company could perform!!!

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 2022-06-15
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: Reporting company used your report improperly

Complaint:
XXXX  violated my rights 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( b ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 USC 1679c ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report.

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 2019-11-23
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I do personal sales as a hobby in XXXX. so I had to open a paypal account. I opened a paypal account on XXXX. I approved my credit card on the same date. I made a sale on XXXX on XXXX  and received my payment. After that XXXX date I made a sale again on and got my payment. XXXX  products hold funds until customer is delivered. I added my bank account on XXXX and it was approved. paypal wanted my identity document date on XXXX sent the same day and confirmed. I made a resale on XXXX  on XXXX. Released my XXXX  funds on XXXX. I wanted to withdraw my money. and paypal closed my account without emailing me. same day from me identity document, supplier invoice and cargo information of the products I sell. i sent them all. then I spoke to a customer representative for live help. and told me to wait. 2 days later I entered my account. completely closed my account without sending me an email. paypal confiscated my XXXX dollars money. and he said I couldn't get this money for six months. how this happens. I re-entered my account on XXXX and this time he asked me for a photo of my ssn card. said the numbers should look. I sent my ssn card and ID again. these are not a bank. why he wanted to use my documents many times? and again approved my papers. but still did not release my money. I called them many times. I've e-mailed 5 times. i wrote on XXXX and XXXX. they never answered my mail. they never told me an excuse. they just confiscated my money and said wait 180 days. this is not true. and never not transparent. they confiscate people 's money. I don't want to use them anymore. and i just want my money back. XXXX dollars is a big money. I am not rich. I am a worker in XXXX. i need this money. I made expenses for these products. and that was all my money. I have no money to hire a lawyer. please help me. I did not do anything bad. i sold shoes only. how do they do this after I have approved all my documents. he has to ask for paperwork when opening an account. but paypal never does that. confirms account first. requests paperwork after money arrives and closes account. this is never true. they asked me for all my legal documents even though they were not a bank. Please help me please Paypal account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: CSO Financial
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX I owe {$45.00}. I believe that this is not my debt. CSO Financial , Inc., the debt collector, claims that I owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, 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, Equifax, and XXXX has violated my rights. 

15 USC 1681 Section 602 A 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. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXXXXXX XXXX in the amount of XXXX Credit XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2019-11-23
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a certified procedural verification letter dispute # XXXX XX/XX/19 requesting documentation of proof of the accounts referenced in the letter to be valid and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that XXXX is unacceptable for verification procedure. However, all I received was a copy of my credit report stating The company has reported the information has certified to Experian that the information is accurate or updated This is NOT acceptable. I have not received any information from anyone to verify these accounts. I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.

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 2018-03-22
Company: Perfection Collection
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: Account information incorrect

Complaint:
Perfection collection with the amount of {$2100.00}. I started paying on this debt XX/XX/XXXX. Current balance is {$1200.00}. I have disputed the balance on my credit report. They launched an investigation in which the debt collector stated it was correct balance and still owed {$2100.00}. I then reached out to debt collector in XX/XX/XXXXand XX/XX/XXXX asking to send me a copy of the balance and to update the credit report. I called numerous occasions in XX/XX/XXXX and have not heard from them. I then reached out to all three credit bureau also sending in my proof which shows current balance. Attached is the balance I have after payment was made XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
In addition to my previous complaints regarding fraudulent unauthorized transactions on my credit and debit cards with BofA ; I was also informed that on XX/XX/2022 someone tried to open up a new BofA credit card in my name. I was informed of this when I called in one of the times regarding the unauthorized transactions. I was told the application had been denied and that they would mark it as fraudulent. So, it is VERY DISTURBING to know that despite BofA being aware of all of the fraudulent transactions plus a fraudulent credit card application that Bank of America is trying to pin the responsibility of these actions on me, I am the victim.

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 2022-06-15
Company: General Motors Financial Company, Inc.
State: FL
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:
Hello here is a list of inquiries on my credit that were not approved by me ; XXXX XXXX XX/XX/2022 ( XXXX XXXX -AmeriCredit Financial Services XX/XX/2022 XXXX XXXX ) XXXX XX/XX/2022 ( XXXX )

Company response to consumer: Closed with explanation