BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: SBG Financial
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Wensday  I entered UNITED CHECK CASHING IN  XXXX  DELAWARE to cash my tax refund  XXXX   XXXX  well every thing went ok untill i ask for my money well they told me come back and we will have your money so i think nothing of it and say ok so i go back and i am told that they can give me  XXXX  oo and  XXXX   XXXX  dollar mony orders and a prepay card with  XXXX  oo Ok so i said ok and agreed with it so it went well i spend  XXXX  oo of this money and the very nex day  i w ake up and all my money from the pre pay card was swipped clean levind a  XXXX  balance so like anybody would do i called the number on back of the card and the card respond that sorry you need go back where you had gotten it Ok so same  day i call car d i call UNITED CHECK CASHING and ask them what happin to my money they where friendly enough so they tell me oh yes we take the money of the card and that i should bring the money orders back so curious i ask WHY? The reply was " WE ARE GOING TO CASH YOU OUT AN D JIS G IVE YOU YOUR MONEY " So i say ok be rite in well then i arive to the place UNITED CHECK CASHING to get my money and when i arrived they took all my money back and say i have to PAY THEM for what it was my money then i ask if they can return my check and they say " IT GONE " of course im gon na ask what? they told me come b ack the next day and i get my check back well guess what i only got a copy of the tax check and noticed that it was allready deposited to there acct stamp and every thing so yhen i ask my personal papers  an W2 forms with my ssn and my kids ssn also my husbands ssn and the y reply OH NO WE GON NA HOLD ON TO THIS IN CASE YOU TRY TO GET US IN TROUBLE " '' SONOW I GOT NO CHECK NO MONEY AND TJEY WANT ME TO  PAY THE REST OF MY OWN MONEY WHAT THEY CRAZY THEY NEED GIVE ME MY  XXXX  back what should i do to get my money back the check was already signed by me and my son whom my husband gave his concent on video chat with the teller at the UNITED CHECK CASHING IN  XXXX  DELAWARE  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: LD Holdings Group, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed my home refinance on XX/XX/2019. At that time I was told my old mortgage would be paid off by a wire transfer and my " cash out funds '' would arrive via an overnight delivery in the form of a check. 
I was also told and signed documents on the XX/XX/19 that stated my next mortgage payment would be XX/XX/2019 and not to pay the XX/XX/2019 mortgage payment because the final pay-off amount had been determined by the lender and my existing mortgage would be paid in full based on the payoff amount at the time of closing. All documents said the payoff would occur within 5 business days of the closing after the right to rescind had passed ( in Indiana it is 3 business days. ) It is now XX/XX/19 and the loan funds have not been disbursed. I have received payment information regarding my new mortgage telling me when my new payment is due but the old mortgage is still not paid and now has a late fee due. The lender, LoanDepot will not return my phone calls or messages and will not tell me when the funds will disburse as promised. I am currently carrying 2 mortgages on my home and I can not get an answer regarding why the funds have not been disbursed or why my existing mortgage has not been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is not my. No payments were made by me on the account. I have been XXXX ( military ) during this time and ask the company to stop harassing me with letters. It has been several years later now. I still get the letters.
I did not receive the product or service provided by PayPal. I have sent replies back disputing the error. I have made two phone calls ( overseas ) to try and resolve this. The outcome has not been good. The initial charge was {$40.00} or {$50.00} USD. Now the want {$320.00} USD to resolve this issue. As soon as I found out about the account, I closed it. My bank did not pay the amount after investigating the issue. My bank was the reason I found out about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Hello! For months since XX/XX/2019, XX/XX/2019 I have been asking and requesting that the company XXXX XXXX   also known as XXXX to please verify that the item reporting on my credit report is accurate. They would send me a letter saying that it is without proving it via my formal request to show me my signature. I would then follow up in the following weeks and months there on and ask them to please provide me with my signature baring my name binding me to a contract with them per. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) It would read : This letter is in response to your recent claim regarding Acct # xxx, which you claim I owe XXXX. 

I then explained to them and said ... Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification ... 

Yet they havent provided me with any of this information however its still being reported against the law. 

I last mailed off letters last month XX/XX/2019 and they have yet again to provide me with any proof or reason to show how this account belongs to me. 

I have all receipts on the certified letters I have saved.I have also called to dispute this items with the credit bureaus more than once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
We had a credit of {$100.00} on o ur American Express Optima Platinum Card  ending in  XXXX . Called the company on  XXXX / XXXX /  XXXX  , and asked them to send us a check for that amount. They told me they would do so. I called again on  XXXX / XXXX /  XXXX  , because we had received the check, and inadvertently shredded it with some other credit card offers, so I told them that I would need a new check issued to us in the same amount. They told me that this would be no problem. Please note that the card with the credit issued was under my husband 's name of  XXXX   XXXX   XXXX . I also have a card with  American Express e nding in  XXXX , and my name being  XXXX   XXXX   XXXX . Please note that when I contacted this company, I called from my home number which was verified b y American Express, an d the check was going to our home address in Pa. I received another letter from them dated  XXXX / XXXX /  XXXX  , stating that a stop payment was put on the check that I inadvertently destroyed, and a new one was issued. I received another letter  from American Express  dated  XXXX / XXXX /  XXXX  , stating that they issued the check on  XXXX / XXXX /  XXXX   for {$100.00} and to please disregard any other communications that I received from them. I called them again on  XXXX / XXXX /  XXXX   to tell them that we still had not received our check. They proceeded to tell me that they had to speak to  XXXX   XXXX  because the credit card that had the credit balance was issued in his name. My husband got on the phone and proceeded to tell them that they could speak to me regarding anything that has to do with credit cards, etc. They gave us a line that the check was going out that day! I told them that I wanted to be contacted by a supervisor, and they proceeded to tell me that no supervisors were available on that date, and that one would call me back with in 24 hours - th at never happened. On  XXXX / XXXX /  XXXX  , and   XXXX   XXXX  ., I call ed American Express from o ur home phone, and asked them where our money was. I got no where with a customer service person, like usual, and spoke with a supervisor that I waite d 10 m inutes for named  XXXX , who told me that he had to speak to my husband. It was  XXXX   XXXX   XXXX  ., and my poor husband was sleeping. I was the crazy person who was up and going nuts over the lines of baloney they gave me when it came to the money that was owed to us. He said that I would have to call back because he could n't give me any information regarding our account. At this point, I got so mad that I hung up on him, and once we get our money, if we ever get our money, I will close that account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25
Company: TD BANK US HOLDING COMPANY
State: MI
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:
M y Wife a dded me to her Target Store card Issued  by TD Ba nk last month. The card came  in 3 weeks ago ho wever I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months e nd (   XXXX   XXXX . )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion has refused to delete incorrect hard inquiries to my credit report after a glitch within their system. I have called and filed disputes. Inquiries : 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 2022-03-30
Company: Experian Information Solutions Inc.
State: TX
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 have a mortgage that was with XXXX. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because XXXX is reporting that I was 30 days late in XXXX XXXX XXXX. That is not true. I have my receipts showing that I made XXXX XXXX  payment on the XXXX XXXX  XX/XX/2020 and on the XXXX XXXX  XX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute

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 2018-04-10
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is attempting to collect an alleged debt i requested verification of alleged debt and then still received phone calls have yet to receive confirmation that the claimed debt is cleared or any other communication other than phone calls which should not have been placed to me after verification request it appears that after CITIBANK was unable to verify the debt with XXXX, XXXX XXXX XXXX, that XXXX, XXXX XXXX XXXX sold the debt to 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 2022-01-07
Company: Experian Information Solutions Inc.
State: MI
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:
My credit report is not updating every month as it should be. I have not received an update on my experian credit report in over 3 months. Every other company show me updated items and scores every month except experian

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 2018-03-13
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:
This is serious. I made a dispute regarding a credit card that should expire XX/XX/2018. XXXX XXXX made a huge error & investigated the wrong card. They left the disputed debt on & removed my oldest card which is in good standing. This dropped my score by 100 points! I am trying to clean up my report not destroy it! Please please help!!!!!! 
I did a lot of disputes & if I accidentally did this one please cancel it! I'm so upset!!!! I'm crying!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: AZ
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:
n accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 applied for a new credit card with capital one. I applied online. for months capital one was sending me notice that I'm pre-approved for a Quick silver credit card. after applying for the QS card. I was approved and the card was sent to my home with a {$10000.00} credit limit. I activated the card for use attempted to make a small purchase and the credit card was denied. I called capital one to see what the problem is. I was informed by a rep that they need more information from me. I have another credit card account with capital one in excellent standing. they want a copy of my SS card, light bill, and state ID. after complying a few times with their request. they said my state ID. wasn't a good ID. capital one inquired on my credit report after saying it wouldn't go against my credit. I decided, I didn't want the card after the hassle to use it, however I did register a complaint with capital one after they approved me for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with Citibank , N.A . in XX/XX/2019 through the advertisement to earn XXXX XXXX XXXX AAdvantage miles after fulfilling account-opening activity requirements as a new customer. However, I have not received any AAdvantage miles as of XX/XX/2019, even I fulfilled the activities in early XX/XX/2019. I contacted Citibank 's customer service three times, and each time a representative confirmed that I have fulfilled the activity, recorded my complaint and promised that I will receive the award miles soon, because it's more than the advised 90-day period processing time after I fulfill those requirements. 

The latest case number I was given was : 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 2021-11-20
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Experian Information Solutions 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 information incorrect

Complaint:
Just Pulled All of My Credit reports and they show a higher balance on  XXXX  and  XXXX  card I 'm on with my wife, impacting my score to a lower one. Since  XXXX   XXXX  I have Paid {$100.00} on the  XXXX  account that was previously {$510.00} high balance ( Now {$410.00} ) and my  XXXX   XXXX  which is reporting {$4700.00}, But should be {$3400.00} as I made {$1300.00} in total payments since  XXXX   XXXX , I have also made a {$67.00} payment to   XXXX   XXXX  . My  XXXX   XXXX  was also updated during this same time period.

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 2017-04-25
Company: U.S. BANCORP
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I had a client do an international wire transfer to me because I trade the foreign exchange market. I have been a professional trader, trading for my self and clients for four years now. This client sent the funds to my account and about 3 weeks later contacted his bank stating it was wire transfer fraud and he did n't know me. This client e mailed me, talked to me on the phone, sent me messages on  XXXX  for over 6 months prior to doing business and we met twice before. The client also signed an Esign on my contract. I had already made capital gains on his trading account between the time he funded the account and paid my fee an d the 3 weeks before h e claimed a dispute at his bank. When I asked this client why he made the wire transfer fraud claim, he stated he did n't plan on paying me for the work I did. He removed me as a cosigner on the trading account and got the {$4500.00} in the account . US Ban k put {$1600.00} on hold in my account with them.US Bank 's wire transfer department reached out to me right away about the situation and stated my account has to be on hold now until the investigation is over. This situation started back in  XXXX    XXXX   and still has n't been resolved up to today. I played phone tag w ith the US Bank wire transfer department and they kept telling me to contact my local US B ank primary location who put the hold on my account to have the situation taken care of. So I reached out to the  bank manager at my primary US Bank location about the situation. She told me to send her all my proof and situation to her email. I emailed her 3 times and got no response. About a month after the emails were sent, the bank manager finally called me and told me there was nothing she could do on the situation and the wire transfer department told her to leave the hold on my ac count. She stated to contact  XXXX  at the wire transfer department again who had my case. I contacted and talked to  two people i n the wire transfer department again following up and was told no one was available to discuss the situation and that  XXXX  was out of the office for a week. I left a voicemail that day and never heard anything back. I waited for another month and called again. I got no response from  XXXX  or the other main guy on my case involved in the wire transfer department. I went to another bank location in my town and contacted there email support. They both stated there was a hold on my account and only my primary location can remove the bank hold. This has been going on for over a year and I 'm looking to get the hold removed from the account.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
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