BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had three credit cards from CitiBank including one XXXX credit card ending with XXXX since XXXX, a second XXXX credit card ending with XXXX since XXXX or XXXX, and a XXXX XXXX credit card ending with XXXX since around XXXX or earlier. I had never missed a payment to any of the three Citi credit cards since I had them. As a matter of fact, I had never missed any payment to any of my credit cards with Citi and/or other credit card issuers. In XX/XX/XXXX, I made {$20000.00} purchases on card XXXX and another {$20000.00} purchases on card XXXX, and I had already paid off {$17000.00} on card XXXX and paid off {$18000.00} on card XXXX by XX/XX/XXXX. However, Citi closed all of my three credit cards aforementioned on XX/XX/XXXX. I called Citi on XX/XX/XXXX, and a Citi representative told me the reason Citi closed my accounts was because I had a very high overall revolving credit line so Citi decided to close my accounts. I asked the representative could he help me submit a request to re-open those three credit cards for me based on the facts that I had been a long time Citi credit card customer, that I had never missed a payment, that I had a very good financial health, and that the overall revolving credit line I have from all of my credit cards is not high relative to my income. The representative asked for my income and helped me submit a re-open request. XXXX XX/XX/XXXX, I called Citi again and found out that Citi declined to re-open those XXXX credit cards for me. Additionally, Citi refused to give the remaining reward points back to me which worth about {$600.00}. Those reward points were earned from the purchases I made on cards XXXX, XXXX and XXXX. On XX/XX/XXXX, I received a letter from Citi, saying that the reason of closure was that my credit report shows a number of revolving credit accounts with balances that are near or at the credit limit, which was not true/accurate, and it was not the same reason as the representative told me on XX/XX/XXXX. Citis claim was not true/accurate because I only made large amount purchases on my Citi cards XXXX and XXXX. I do not have high balance on any of my other credit cards with any other issuers. What is worse, as a result of the abrupt and baseless closure, my credit score ( from XXXX ) fell from XXXX to about XXXX. Citis harmful action has damaged my credit score significantly, especially during a time that I am preparing to buy a house. I am really disappointed at the way Citi treats its long-time and loyal customer.

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 2023-02-28
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I used CASHAPP To send XXXX. 
On XXXX XXXX XXXX I was contacted by XXXX XXXX on XXXX. She told me of a platform that she was in and if i put in {$100.00} in XXXX hrs i would get {$500.00}. When that time came i was told i had to wait until I was {$1000.00} invested. Every time I should have been able to get money there was another reason they would not give to me. This group was called XXXX XXXX XXXX. Then a woman by the name of XXXX XXXX contacted me saying to leave that group and she will help me retrieve my money. She said her group is XXXX XXXX. She was probably the same person looking back. Im sure my money all went to the same people. It was the same thing. Add more money and they promised me I would get my money that was due to me. Im on XXXX and I am XXXX years old. I needed this money badly. I barrowed and the total due to me is {$19000.00}. These people got mean and nasty to me. They called me names and said how stupid i was and belittled me because I didnt understand. I was told no way can this be a scam because it was binary trade. I tried contacting cashapp to get my money back and they are not responding. The purpose of this scheme was to target people such as myself that has no idea what they are doing to steal from me using fraudulent representations. I have a letter written out to you but I cant copy and insert it. Someone is trying to help me with this as I am devistated. They stole all my money and then some. I have all of the individual withdrawals to them if u need them. Please help me to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Account # XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Multiple unexplained charges. Delayed application of payments. Double billing. Erroneous towing reported to credit due their billing systems issues. Unresponsive and dilatory to requests to investigate problems. Billing processing ( i.e. submission, receipt, application ) does not include transaction/confirmation numbers with date/time stamps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX has a total of XXXX Accounts that need to be removed. As of now, XXXX Accounts were removed. Wrote XXXX XXXX XXXX XXXX Letters for XXXX Credit Bureaus. Filed XXXX Round CFPB complaint online. Completed Before and After Credit Repair Analysis. Uploaded XXXX  letter to XXXX. Send an email to mail off the letters written to credit bureaus. 

Credit Score dated XXXX XXXX : XXXX - XXXX = XXXX Equifax : XXXX - XXXX = XXXX XXXX : XXXX - XXXX = XXXX Experian Credit Score : XXXX Charge Off : 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$9400.00} ; XXXX XXXXXXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3500.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Key 2 Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of XXXX key 2 recovery for amount {$250.00} was reporting this account to my consumer report see attached documents they removed and it is no longer reporting to XXXX. They are currently reporting to my XXXX XXXX and they are stating false and misleading information claiming that it is verified when it has already been removed. You are in violation and the information that is being reported is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Here are the items that are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Merchants Automotive Group LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My company was late on payments from XXXX until XXXX on lease payments, we did pay what we owed in XXXX, now looking through the invoices the leasing company charged us over {$960.00} in late fees, even after we paid the last invoices they still charging us over {$300.00} in late fees, they are not want to remove and Im taking to account agents that really dont care how we are treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello I had Eight ( 8 ) insufficient fees assessed to my account. Two ( 2 ) in XXXX 2022, Four ( 4 ) in XXXX 2022, One ( 1 ) in XXXX 2022, One in XXXX 2022, Two ( 2 ) returned checks fees for XXXX. For the two returned checks I submitted a money order and both times it was returned to me via mail advising me to re-deposit the money order / check. 
Furthermore I have been unemployed due to Covid-19 however actively seeking employment. I sincerely can not afford this late fees assessed to my account it is totaling {$290.00} which I can apply towards an overdue bill or purchase food for my family.

Also I had my account for over 20 years and suddenly I am paying {$12.00} to keep this account going. I need help with resolving this on going matter. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 my online banking information was compromised, and money was moved via XXXX in the amount of {$750.00} to an unknown number. When this occurred, I was not in the states at the time. I was in XXXX and have the proof that I was there. As soon as I realized the XXXX payment was made from my account, I contacted Chase right away. Chase has denied the claim saying that the XXXX transaction looks similar to the ones I've made in the past. The number added by the hackers was not a number I have ever XXXX before. If Chase took the time to look at the IP address and pinpoint the location of where the hacker accessed my account, it would confirm it was not me as I was out of the country when it occurred. The transaction took place around XXXX and it was around XXXX XXXX in XXXX. It also shows there was another device added to my account when the transaction occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original Creditor account is already 4-5 years old. A new company is showing on credit report as newly opened in 2021. It's stated NOT to communicate with creditor if it is an old account for that may, " reset '' the time clock of responsibility showing on credit report. I have had NO contact with new company, but it shows as fairly new account. This is not a fair practice as account is actually old and should be falling off my report. Original Creditor may have an account with newer company showing on my report, however, I DO NOT, and NEVER HAVE had an account with the new company, nor have I had ANY contact with them. PLEASE HELP, I've been dealing with this issue for far too long.

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 2023-03-07
Company: MIDFIRST BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I sent an email to XXXX on XX/XX/23 with this message : My account XXXX, i got the 1099 and it says you withheld money from me, why did this happen when i am not subject to withholding? 

They replied with information that had nothing to do with my inquiry so i called XXXX and spoke to a supervisor on XX/XX/23 requesting my original application paperwork that i signed and completed, it was supposed to arrive in 15 min and it did not, i was supposed to respond to this missing email with my fax # in order to also receive my previous 1099s I called on XX/XX/23 and no supervisor was available and i was told i would receive a call within 48 hrs, that did not happen I sent an email on XX/XX/23 with this message : Hello, I spoke to a supervisor on XX/XX/23 requesting my original application paperwork that i signed and completed, it was supposed to arrive in 15 min and it did not I called on XX/XX/23 and no supervisor was available and i was told i would receive a call within 28 hrs, that did not happen I want my paperwork sent to me and i will not call again and waste my time, if i do not get this paperwork within 28 hrs i will assume VIO is refusing to send it and i will be filing a CFPB complaint XXXX XXXX told me to call the 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 2023-03-08
Company: Self Financial Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this company for validation of the debt that they have inaccurately reported to my credit profile. I have found *several* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again.

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I don't know why I was charged a {$43.00} charge in XXXX and a subsequent {$2.00} fee in XXXX, 2023

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 2023-04-24
Company: EQUIFAX, INC.
State: CA
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 name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/ Balance : {$2500.00}, XXXX XXXX XXXX XXXX XXXX  Open Date XX/XX/ Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am a long time customer of Wells Fargo Bank. On Monday XX/XX/XXXX, I filled out the online form to open a CD with a transfer from an existing Wells Fargo account. When it did not open I called 3 times and was told it is " in process ''. Today, XX/XX/XXXX, I escalated my complaint and a higher level customer service person finally told me that she had an email saying their system was having problems and was taking up to 10 days to process and open a new CD. I asked what would be the effective date since the interest rate differential is significant, in other words is Wells Fargo swiping the float. I was told it would open when it was processed. I then said that was unfair and amounted to Wells Fargo increasing their bottom line by likely millions of dollars since there is no telling how long this has been going on or how long it will last. I said that based on Wells Fargo 's terrible history with regulators, I intended to file a complaint. 
Note that the Account XXXX on the next page is the reference number I received when Wells Fargo acknowledged my application.

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 2023-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 have been a victim of fraud through my credit card at Bank of America numerous times. I usually get the notification of the bill weeks and months after the transaction is made. I was recently targeted again for a total of almost {$1000.00}. I filed a dispute with the bank and they determined that I made the transaction when I in fact did not. I then request an in-person appointment with the bank where they directly told me that there was proof against me that proved that I did the transaction. A letter said that the person that did the transaction used my identity to process the transaction. However, during my appointment, the representative of the bank could not provide a single piece of evidence to prove that I did the transaction. All the representative said was that they can not find the evidence on file, but they are sure that there is. The bank said I will be required to pay for my credit debt unless a file a complaint like this one. This is highly unacceptable and as the sensitive person that I am, this has been a very traumatic experience. I fear being once again a victim of this type of fraud. Leaving the bank is an option but I can not pay the credit that I currently owe. The amount of frustration that this has caused me is tremendous. If this isnt resolved Id be forced to sue.

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 2023-04-24
Company: EQUIFAX, INC.
State: FL
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are listed below : XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/

Company response to consumer: Closed with explanation