BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: CITIBANK, N.A.
State: WV
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:
Bank XXXX resolve fraudulent charges as promised. Several attempts to resolve with 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 monetary relief
Consumer complaint received 2022-08-02
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: Was not notified of investigation status or results

Complaint:
I have sent in a letter to get medical accounts removed that are in collections and have no updates. Also, they are not able to verify accounts that have medical information on them, so when they do an investigation where do they get this information from? Also I would like to have proof of this being verified and connected to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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:
in accordance with the fair credit reporting act ... the account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX XXXX section 602 A, right to privacy 15 USC 1681 604 A section 2, 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 non-monetary relief
Consumer complaint received 2022-08-02
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was trying to sell our couches on XXXX XXXX I will admit I shouldve been more cautious but Ive been very sick and trying to take care of my XXXX XXXX XXXX so Ive been struggling with money more than usual.. a man reached out to buy them. He asked for my XXXX info ( which I knew I had but Im not very tech savvy or familiar with the app ). I gave him just my email and name. He claimed he sent the money but the funds were on hold until I verified the email. I did receive an email from XXXX that looked legitimate. ( I attached images of the emails. ) But it said there needed to be a double transaction to the account and an additional payment from the buyer for the verification and upgrade of the account. Then after he supposedly paid that, I received another email saying it was confirmed and I just needed to refund him in order for it to come through to my account. I feel like Id typically be more cautious of these thing but being in a pickle for money lately I guess I may have let my guard down.. It wasnt until after I sent the refund of {$300.00} that I received an addition email for further verification and I needed to send another {$500.00} Thats when i became skeptical and called my bank and found out that XXXX does not have those restrictions but there was nothing they could do since it would appear as a verified payment on their end so Im grateful I didnt send any more money, but getting scammed of {$300.00} is still pretty detrimental to my son and I right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: TN
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  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX 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 XXXX : 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 2020-04-17
Company: DISCOVER BANK
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020. I applied for a second mortgage with Discover Home Loans application number XXXX they told me I was pre-qualified after submitting my income. Additionally they ran my credit ( hard pull ) and then asked for mor documents that were not listed in the discloser like ; they had me submit 3 years of XXXX instead of the two pay check stubs they advertised. Additionally they had me submit numerous documents and on XX/XX/20 they called me and told me that they were upping the interest rate from 4.99 % to 8.99 % because they didnt realize this was a second mortgage. Additionally when I complained about this they said my debt to income was not within their guidelines but couldnt explain this because I make more money than was required.. I want an investigation into this and request at the end of this your agencies help in removing inquiry on my credit bureaus from theses people. I have a few emails but Im absolutely discussed by bait and switch for two reasons 1. This could happen to others 2. By them pulling my credit and doing the bait and switch I have to wait for those 10 points to rebound before I can apply again with another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Atlanticus Services Corporation
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Monday XX/XX/XXXX I called to dispute a dept from XXXX the manager was extremely rude and refused to accept my dispute And in which I was trying to tell him that XXXX XXXX started happening when the debt came about and that I was affected during that time. Then he proceeds to argue with me telling me that covid 19 is not that bad anymore compared to what it was back then in XXXX.And when I was trying to explain that it was he then hung up on me. I was bullied by him and was not heard. I was going to give in and not dispute this or try to because he wasn't going to let me, so I asked if I paid monthly what would my payments be he gave me a estimate of {$93.00} a month. I hung up because I was very upset with his attitude that he continued to give me. Today XX/XX/XXXX I called again to try and settle a monthly payment that fit my finances. It was a different employee who told me I had to pay {$320.00} for the next 7 months. I do not like being lied to or bullied and that's exactly what this company is doing to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Contemporary Information Corp
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX the XXXX XXXX XXXX report attached is inaccurately and falsely alleging XXXX judgement evictions against my credibility without providing any notice for me to validate any debt as per XXXX XXXX XXXX. Pursuant to 15 USC 1681 ( a ) ( XXXX ) A Consumer, Natural Person has the right to Accuracy and fairness of credit/consumer reporting. I have never heard of this Consumer reporting agency so clearly they have never validated if these alleged evictions ( judgements ) are valid and not fraudulent or sustaining from Identity theft in which I am a victim of. In fact all consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.Inaccurate, incomplete or unverifiable information must be removed or corrected, as pursuant to 15 USC 1681cXXXX XXXX of information resulting from Identity theft. I have never been in court regarding these allegations nor are they reporting on any other of my Consumer Reports therefore I demand to know the validity and whom the Original Creditors are and the Investigation results that led to this inaccurate, abusive and deceptive reporting. Pursuant to 15 USC 1692 ( g ) ( a ) as a consumer I have the right to obtain a Notice of debt ; contents and have the right to dispute its validity if I am not in-fact the original creditor, however XXXX Reports violated the federal law and willfully disregarded 15 USC 1692 ( g ) ( c ) which states that failure to respond especially without prior notice of this debt because its fraudulent does not constitute liability ; in-fact according to section ( c ) Admission of liability it reads The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I, therefore request that these Fraudulent Evictions that are effecting my credibility and creditworthiness as well as debilitating my ability to extend credit and receive housing makes XXXX reporting guilty of violating several Federal Laws and I am willing to prosecute to gain remedy for the injury and defamation of my character. Pursuant to 15USC1681 CXXXX all fraudulent reporting deriving from Identity theft should be immediately and permanently removed from all the Consumer Reporting Agencies .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following accounts need to be removed as they are fraudulent. 

XX/XX/XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX Date openedXX/XX/ Balance {$40000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note XXXX sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious 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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX was transferred on XX/XX/XXXX to XXXX in the amount of {$8000.00}. 
On XX/XX/XXXX I paid XXXX {$4000.00} and the remaining balance of {$4000.00} on XXXX. 
To date the {$8000.00} is still reflected on my credit report as being owed to XXXX. I spoke to XXXX XXXX several times with the latest being on XX/XX/XXXX and was advised that once XXXX reports that the balance will fall off my report. However, I last spoke to XXXX on XX/XX/XXXX and was advised that them reporting would have no impact on the XXXX  XXXX balance. 

I have also disputed this balance 3 times as wrote to XXXX and every time they send back that the balance is correct with documentation that shows that I owe {$0.00} on my prior loans with them. The credit bureaus stated there is nothing they can do because the investigation and findings are from the company I am disputing and that the company does not have to show proof to the credit Bureau. 

I am stuck between these companies and need help resolving.

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 2020-10-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was told by Santandar Bank that my payment would not be reported to a credit agency. They bank did this anyways, despite a continued disagreement regarding Covid Relief program.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following accounts need to be removed as they are fraudulent. 

XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious 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 2023-01-26
Company: BANK OF THE WEST
State: NY
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 XX/XX/22 my Bank of the West checking account XXXX was incorrectly charged by XXXX XXXX XXXX XXXX ( XXXX & XXXX ) for {$53.00}. Before this, the checking account was not used until the unauthorized charge. I disputed the charge from XXXX & XXXX through Bank of the West 's online banking system. However, when I tried to see the status update I was unable to access my online banking as they took my permissions away due to the unauthorized charge overdrafting the checking account. I called Bank of the West multiple times and they assured me that they put notes on my account regarding the situation. I was told to dispute the charge through the Collection Agency ( XXXX XXXX XXXX XXXX XXXX  by someone named XXXX from the Online Banking department, which I did. XXXX also assured through a phone conversation that the charge would be taken care of since it was unauthorized and there was a mix up of disputing the charge through online banking. Today ( XX/XX/22 ) I received documents in the mail stating the XXXX XXXX XXXX spoke with Bank of the West regarding the situation, but Bank of the West decided to continue the collection. There is absolutely no way I can obtain proof from XXXX & XXXX that the checking account from Bank of the West was indeed authorized to be charged. There is also no proof that has been sent to me from Bank of the West or XXXX  XXXX XXXX XXXX that either of the companies did any type of investigation into this matter. I went through the proper channels to dispute the charge and Bank of the West decided to ignore the dispute and escalate the charge off that included the unauthorized charge and XXXX overdraft fees to collections.

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 2022-10-22
Company: Zip Co US Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Around XX/XX/22 I reached out to Zip Co ( Quadpay ) via the chat feature on their website to stop making attempts at debiting my credit card on file. I received no response. On XX/XX/22 I called the customer service number at ( XXXX ) XXXX to revoke authorization for them to debit my card on file. I spoke with XXXX  in their overseas office who told me she could not stop debiting my card, I asked to speak with a supervisor and she hung up on me. I called back and got XXXX  in the overseas office, I explained that I had just gotten hung up on and told him I needed to stop the auto debits. XXXX  argued with me, told me there was nothing no one could do, I begged for a supervisor and XXXX  hung up. I called back, XXXX  answered and recognized my voice and hung up on me again. I called back, spoke with supervisor XXXX  in the overseas office who was nice, but also stated she can not stop the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Square disabled my account out of nowhere with no explanation or reason. XX/XX/XXXX ) Won't allow me to speak to the department at all. I've done almost a XXXX in business In less than a year with 0 disputes or charge backs. They are holding {$10000.00} for 90 days even though my industry has virtually no refund policy. I am unable to pay my employees. They won't even allow me to refund people and be paid a different way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: U.S. BANCORP
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
Hi, I am facing an issue with Elan Financial Services, the credit card company partner of Fidelity Investments. I was recently the victim of identity theft with the thief tricking my mobile phone company, XXXX. We have a letter acknowledging the issue from XXXX XXXX. The thieves used a phone number belonging to my wife to get a charge of ~ {$9000.00} authorized. See below for information on transactions that are fraudulent. 
Date Merchant Amount XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv {$9000.00} I have already called the credit card company at least 3 times to get the issue resolved. The calls occurred on XXXX at XXXXXXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. Each time the fraud department said the processor would contact me in about XXXX hours to work on the issue. This has not occurred each time. The credit card company is now charging interest and late fees on this fraudulent amounts. They are also reporting to credit agencies that I legitimately owe the fraudulent amounts. The processor hasn't done any due diligence aside from saying a chip read occurred. I have told them in clear terms I didn't authorize the charge and don't know how the thief perpetrated the fraud. A view of the transaction history around the XXXX timeframe also shows a lot of suspicious activity. 

I have filed a Claim with them. The Claim ID is XXXX. I have also filed a policy report, XXXX. I have provided this information to Elan Financial Services already. The processor and fraud department have done nothing with this information for the past month.

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 2022-09-29
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: Sent card you never applied for

Complaint:
I have not applied for any credit cards for the month of XX/XX/2022. There have been 6 inquires using my information to apply for credit cards. I received a credit card from Capital One Spark Business that I did not apply for. Also, there has been activity of credit card applications in my name from the following : XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. All of these have been denied because of too many inquires. However, my credit is being affected by this. Furthermore, I received a letter about a change of address. The letter stated that I have changed my address. This is false information. I have not changed my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
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: Their investigation did not fix an error on your report

Complaint:
Please see the attached letter from the court your company " verified '' the inaccurate bankruptcy on my consumer file confirming they do not verify any information with the 3rd party. are you aware that removing any information on a consumer file and then later adding it back without written notice is in direct violation of the FCRA? i'm giving your company a chance to fix this error before i seek litigation. i am keeping record of all responses from your company as evidence.

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