BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am working so hot .So open citi bank cheking account online. 
I make application on XXXX, citi bank sent email to me ( Thank you for your recent application on Citi Online or Citi Mobile for an account. Citi needs you to provide more information in order to open your account. Please click the Review Document link to provide the requested information. ) this is email onXXXX. I finish Document to them. 

But for some reason, the XXXX XXXX closed my checking account soon after. 
I called their department concerned to consult.They said they didn't receive my Document.Email can't be filled in OnlineI Don't understand. Why do they still have email to fill in for me? 

I hope to be helped to get a public solution. Thank you

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 2017-09-13
Company: Medical Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX HAS LISTED COLLECTIONS {$1000.00}. XXXX PAID XXXX IN XXXX XXXX. I HAVE NEVER RECEIVED ANY INFORMATION REGARDING THIS ACCOUNT. I PULLED XXXX  AND CLAIMS FROM XXXX WEBSITE AND THE XXXX CLAIMS WERE PAID AT 100 % IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2022-05-03
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good morning, I have a checking account with Chime bank. On Friday morning XX/XX/XXXX I bought {$30.00} worth of gasoline from an XXXX gas station. If youre not familiar with Texas grocery stores, XXXX is a widespread chain with hundreds of locations throughout Texas. I shop here frequently, and at some of their locations they have gas pumps. I bought {$30.00} gas on XX/XX/XXXX. This legitimate charge is reflected on my payment account. Later that day I noticed a charge at an XXXX XXXX XXXX for {$100.00}, this definitely was not me but sometimes XXXX will put a hold on debit cards for around {$100.00} so I did not think much of it. However the next day another Unauthorized debit went through on my card for {$76.00}. Again this was not me. I contacted XXXX and their customer service agent confirmed my transaction that was legitimate at the gas pump for {$30.00}, and the agent noticed I used my pin number at that location. Then she went into greater detail regarding the unauthorized charges, {$100.00} charge went through at a location nowhere near my home, and a pin number was not used at the gas pump, she also confirmed that the {$87.00} charge went through yet another XXXX location here in XXXX and again no pin number was used at the pump and the location was even farther away from my home. At this time I canceled my card with Chime and requested a new one be sent to me. I have disputed these unauthorized charges with chime bank, however they denied my claim. It is my understanding that I am not legally responsible for unauthorized charges. For me {$200.00} is a lot of money and what they are doing is bad business and illegal. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
In XXXX 2003 XXXX XXXX called me to advertise a program. At that time I was going to college and it was a bit difficult for me to get the time that I needed to attend the classes. So, when they called me I thought it would have been a great opportunity for me to have a steady job as they promised ; in order to finish my college education. So, I accept to sign in. At that time they told me that the tuition will be for about {$26000.00} and I will only pay about {$12000.00} because the government will be responsible for the remainder. However, that was a lie. Around 2003 while in class they called into the financial aid office just to sign on forms that they have already filled out. I thought it was for my best interest because I was in class, so, I do n't miss the teacher 's instructions. But, later on I have realized it was because they wanted to be successful into their scam activities. So, they made me sign on loan for {$12000.00} with XXXX XXXX. I could have said well, XXXX XXXX does not have anything to do with the school being a lawbreaker. But on the other hand I am thinking they must have known something. Because they can not allow anyone calling them and asking them to support a student without knowing who the student is and who the business is. For example if I were to call XXXX XXXX and ask them for {$5000.00} loan or for {$50000.00} they will ask me what type of business that I am conducting, they will also ask me for a proof of license. If they do n't do that that means they are in fault. They will however, get rip-off all the times ; and that is not business. Which means they have to do a thorough search before accepting a request. They either knew who XXXX XXXX was or was an accomplice with them. Therefore, I should n't be the one victimize for this scam game. And like I mentioned if they did not do their research before accepting the school request, this experience ought to be a good lesson for them. Therefore, I am asking for this loan to be erased from my account and also to be reimbursed for the total amount that I have paid to them for eight years which totaling {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery assoc. LLC calls me almost every day and have been calling me for over 3 months. They call from a different number each time. I told them from the first call, not to call me agai, that I am XXXX, XXXX, my husband has XXXX, we lost our home and everything we had and can not pay a credit card but they refuse to stop harassing me. They are rude, hateful and tell me they wo n't stop calling me. This is my cell phone number they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an auto loan that was XXXX in a XXXX  XXXX bankruptcy on XX/XX/XXXX. XXXX XXXX XXXX XXXX was the creditor of said loan and continuously submits the settled account to my credit report as a derogatory remark. I have contacted them and they have confirmed that the account is settled, but claim that they are unable to correct it with the credit reporting agencies. I have disputed the error with transunion and they confirmed that it is settled, but did not remove it from my credit report. On XX/XX/XXXX I was notified by XXXX that XXXX XXXX XXXX XXXX has submitted the settled account as a derogatory remark to my XXXX credit report. I disputed it and am awaiting the results. If I can not get this resolved by going through the proper channels, my next course of action will be to file suit against all parties that fail to correct these fraudulent reports and seek extra compensation for the stress and hardships this has caused 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: NC
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:
Account Name : XXXX Account Number : XXXX XXXX accordance with the Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Account Name : XXXX  Account Number : XXXX XXXX accordance with the Fair Credit Reporting act 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 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 2017-12-27
Company: Green Trust Cash, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
i took a loan for XXXX XXXX dollars after I got the payoff schedule which was different than what it was, I already had paid {$400.00}, I called for my balance for payoff and the balance was over {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Account status incorrect

Complaint:
I mailed a certified letter XX/XX/2022 to the Credit Bureau about inaccurate information regarding a 2 XXXX XXXX charged off account with inaccurate balance they responded stating I was not specific with my dispute. 

XXXX XXXX account # XXXX  XXXX this is a charged off account which has an inaccurate balance amount also with an inaccurate past due amount listed has also inaccurate Date of First Delinquency and also Date of Last Payment please delete this account as it has inaccurate information Tracking # XXXX I also followed up with another letter for my dispute Tracking # XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from afni, Inc. for money owed to XXXX XXXX XXXX. 
I do not have an XXXX XXXX XXXX  account. 
I am not behind on my bills now and never have been behind on any bills in the past. 
I am turning XXXX years old next week, and other than a small car payment, I am debt free. 
I do not have an XXXX XXXX XXXX account. 
There is no way that this is my debt. 
I believe that this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called mcm and told them it's a case of I'd theft and disputed but no validation received till now ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
We applied multiple times for Capital One XXXX XXXX account online, and we keep being declined. When we call customer service, they can not provide us a reason on why we are being declined, and they keep telling us they are going to send us an e-mail. I was escalated to a supervisor, and got the same run around

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX and Transunion are refusing to verify 3 debt accounts on my report. I have sent 3 previous requests,XX/XX/XXXX was the first, XX/XX/XXXX was the second,XX/XX/XXXX was the 3rd, and today will be my fourth request. They have not sent me any documents showing my signature on a contract with these debt companies, or a picture ID, or anything with regards to the results of there investigation, as prescribed by section 609 and 611 of the FCRA section. I plan on taking legal action if this continues to not be corrected. In addition there are 3 collections listed where the original debt is over 4 years and close to the old term of seven years.

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 2022-05-03
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This alleged debt isnt mine. After asking for validation of debt the a letter displayed a different owner who is is not me. 

Radius Global Solution stated the information was accurate but the name on alleged debt isnt me. 

Amount of Debt : {$260.00} Original Creditor : 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 2022-01-11
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:
I have repeatedly asked XXXX to remove/delete outdating information in my credit file. I have submitted to them a copy of the report that they themselves have sent to me clearly indicating the first delinquency date of XXXX therefore making XXXX XXXX years and yet they continue to do nothing, continue to drag their feet and continue to clearly report inaccurate and outdated information which is a clear violation of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I make regular purchases on this account for my business in the sums of $ XXXX {$2000.00} and have done so for a few years. I always pay my bill early so as not to incur fees. 

This time I paid a portion of my bill electronically through my bank on XXXX in the amount of {$1500.00} Please see supporting documents. 

On XXXX you will see ALLY put a " Payment Hold '' on my credit card for {$1500.00}. This does not allow me to charge that amount on my card as they state they have not actually " received the payment '' .. 

I called on XXXX to see why I could not charge {$92.00} for business and there was not enough credit available ( please see supporting documents XXXX. I was told that they do not actually have the money and the account is not paid and this hold will not be released until the XXXX of XXXX. 

I want to know what they are doing with my money and why when I pay my bill it 's no longer actually paid ( this is a new thing they are doing ). I also do n't want them putting credit " Holds '' on my payment so I accrue more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have one XXXX XXXX Credit Card that I use for everyday purchases and intentionally keep a low credit limit and pay it off regularly. All previous payments I've made get posted to my account the next day after making a payment and the funds are available at that time. I once again paid off my card on XX/XX/2020 and it pulled the payment from my bank account on XX/XX/2020 ( does not show pending on my bank account, the money was taken out ). I tried using my card yesterday XX/XX/2020 and it got declined, so I called and asked why and they told me that the payment is on hold and should go through any time. I checked again this morning XX/XX/2020 and it still hasn't posted to my credit card account, so I called again and got transferred to the payment specialists and got told that it is still on hold and won't be released until XX/XX/2020 ... to me it seams like this should be illegal, they literally have my money that they took out of my bank account as of XX/XX/2020 and I won't have access to it until almost a week after they took it ( hopefully )!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Sezzle Inc.
State: MI
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:
Sezzle reported 30days late on my XXXX  credit report. I paid this debt off months ago and they are showing {$710.00} I have called the company and it directs me to email them. I have emailed them with no response. Last month it showed I had an account still owing put on time XXXX XXXX removed it now this minth in XX/XX/XXXX i get an alert from my credit monitoring about a 30 days late on my credit. I owe this company no money havent used this account since XXXX and they show I am 30 days late and iwe a balance. I owe them nothing I havent used this account in monthes I also attached my payments showing they where paid off. I also was a victim of id theft so that could be a problem. I have immaculate credit and this just caused problems. I owe them nothing and ask they close the account and remove this off my credit. I also have another dispute with XXXX to remove it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Spring Oaks Capital, LLC
State: SC
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:
This debt is from Spring Oaks Capital and I have disputed this at least 7 or 8 times. I informed them it wasn't mine I send paperwork stating I filed fraud with the credit companies but the IRS too and yet they continue to do nothing. As of yesterday now it states the account was opened in XX/XX/2021. I have had my whole identity stolen this whole situation has been a night mare and the stress with this company is unbearable. It states the amount as XXXX I have no idea what this is. But I have read several complaints about this company doing the same thing to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Company has allowed companies to pull my credit and add accounts that are clearly frivolous And never contacted me per my request if any one applies for credit in my name

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 2017-06-29
Company: Early Warning Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I spoke with an individual named XXXX at Early Warning Services today, in response to getting declined for a bank account with XXXX XXXX XXXX XXXX She was not helpful, rude, and seemed to experience schadenfreude when I informed her that EWS was the apparent cause of the aforementioned decline. When I told her that I had already requested my consumer report, and requested that they send it to me by email ; asking how long it would take to get to me, she said " We have the right to take fifteen days, to verify the report, and then email it to you. '' I believe she is one of those reprehensible individuals who just uses the word " verify '' to sound official, without in fact knowing what it means. She used " apologize '' in a similar way. <P/>Regardless, I have never had a problem with any bank, I have no issue on XXXX and yet, there appears to be what I can only assume is an error on EWS. Moreover, their customer service department is nothing short of recalcitrant. <P/>To wit, when I asked her name, she asked, " why do you want to know my name? '' to which I responded, " I must know whom I am speaking to, '' to which she responded, " I stated at the beginning of the call my name is XXXX. '' That sequence of sentences only makes sense if someone is going out of their way to be difficult. <P/>Please do something about EWS. If they are going to hold up people 's lives, and experience schadenfreude about it, they should at least provide one 's consumer report immediately online.

Company response to consumer: Closed with explanation