BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit 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:
XXXX XXXX {$35000.00} was charged on my Home Depot / Citi Bank credit card at the Home Depot store in XXXX XXXX XXXX. I live in XXXX XXXX and shop in the XXXX store. It looks like washing machine and some sort of straps were purchased. I did not make nor have any knowledge of this purchase. I called their fraud department and started a fraud investigation. About a month later they sent me a letter stating that I made the purchase and had to pay. No explanation! I called again and they sent me to their security department. They asked me a few questions and stated that the investigation could take up to 90 days. On XXXX XXXX I received the same letter stating that their investigation shows that I made the purchase and had to pay. Again no explanation! I have not called them again because the people I speek with do not help. I asked them to block my card and to not send me another one. They sent me another anyway and somebody tried to use that one. Any help you could provide will greatly appreciated. 
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 non-monetary relief
Consumer complaint received 2023-10-30
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I've been transferring over from an old Comerica checking account, to another Comerica checking account. I've been suspicious of OD fee practices on the old account. and now i have proof that they are abusing the account Overdraft fees. 

Relating Facts : 1- I have overdraft protection turned OFF on my account. 

2- Supporting the transition to the new account, I leave very few dollars in the old account. So, when a payment appeared, I used Comerica 's transfer own online app to transfer the outstanding amount to my other account. I transferred {$300.00}. Then decided that I wanted the available balance closer to XXXX, so transferred another {$20.00} ; leaving just a few dollars in the account. 
It is worth noting, that it is my experience that this application will NOT allow you to make transfers to into a negative balance. This should support my statement of there still being a positive balance. And, indeed, there would be no reason for me to do another transfer to put myself into a negative amount - especially not when I would get a {$34.00} charge to transfer {$20.00}. 


3- Then, checking my account the next day, I saw that there was a {$34.00} account was charged. The last transaction listed was from XXXX for XXXX. 

4- They have confirmed that 'pending " transactions are updated in my balance total. 

5- Other companies authorized for charging my account with my debit, have reported to me that they can't realize the payment if sufficient funds are unavailable. ( For this, I've paid them from my new account ). 

6 - In discussing this with the bank, they tried to lie and state that I was NOT out of overdraft, until I pressed them on this and had them review notes and talk to the agent from my previous call. - As I've called and confirmed previously that I was opted out. -- -Now they admit that I was indeed opted out, but that the XXXX charge was pending and not yet posted. However, ( according to them ) my account balance would reflect this transaction even in its pending ( not fully posted ) stated. 

Summary - They allowed a charge that OD my account ( even though I was opted out of this service ) and then charged me further for the privilege. And they did this costing me fee totals greater than the amount of either transaction ( I would not and could not have put my account into a negative amount from my actions ). Either my total is not truly updated to reflect the pending transactions ( despite this being displayed as the rule on their own page ). Or, they are allowing OD charges when I was opted out, and then adding fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: Telsa Motors Inc
State: ME
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX, I took delivery of a Tesla XXXX XXXX I am leasing from Tesla. I had to pick up the vehicle in XXXX, NJ ( I reside in Maine ). I was issued a NJ temporary plate that was good for 30 days. I was told Tesla would be mailing me my permenant plates. Note, however, that this is what I was told in XXXX, NJ. I different Tesla rep I interacted with over text prior to delivery said they would mail me a packet within 30 days with everything I needed to go and register the vehicle myself. 
Either way, I never received a packet nor permanent plates. About a week prior to my temp. plate 's expiration, I reached out to Tesla. They primarily use a text message service to contact their support staff ( calling takes over an hour on hold ). They told me they were looking into it and to check back for a status update next week. I did that and they again said they were looking into it. The day the plate expired ( XXXX ) I again texted and received the same response. I called their customer support number ( had to XXXX it as there is not one on their website ). After waiting an hour, I spoke with someone who seemed friendly and empathetic. She said she would be calling the XXXX, NJ location. She also tried calling the XXXX XXXX location as I had to been told by someone previously that they handle Maine registrations. She promised to get back to me the next morning. The next morning, she texted me to say she's still working on it. Since that time, I've contacted the Maine XXXX XXXX XXXX XXXX who confirmed that they have not received anything from Tesla regarding my vehicle. They explained the process and even offered to assist Tesla directly if they have any questions. I relayed this to Tesla this morning ( via text ) and insisted that Tesla apprise me, in detail, of the status and their plan, as well as to issue me another temporary plate while they sort things out. It has been about XXXX hours and they haven't responded thus far. Note that I paid sales/use taxes and registration fees to Tesla up front ( as well as the cost of the vehicle ) and I currently have a vehicle that I can not legally drive. 
Particulars re : my vehicle : VIN # XXXX Order # XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My life has completely stopped because not only did boa lock my account over XXXX that.was blocked by them but my balance is getting lower with me not having access since XX/XX/2023 I'm not understanding this I updated my new phone number which was the original reason why they say they couldn't access my information, now their saying I need to go into a bank which I've done twice and the tellers know me wouldn't help me without an ID when they have in the past, this is what the millionaire CEO 'S has done to a XXXX old man on social security, locked me out of my account for XXXX in the past they contacted the business that did this before and got my money back, not this time because there was nothing taken, it is very obvious what their doing, those hundreds of thousands they were ordered to pay back will be coming from Bank of America skimming the remaining clients money, this is as clear to me as the sun in the sky, you time to the right thing has dried up it's now time for someone that has the XXXX save their money or their XXXX, I can't get important information of a lost phone for a aggressive stalking case because the company needs money, I can't connect my connectivity internet fre by the government because it's XXXX to activate, not that I could because my fourty $ has dropped to XXXX and that may be gone by now, I can't get to my very first appointment with a XXXX  to evaluate me with XXXX  to get the proper medication, I promise you boa the XXXX of banking I'm keeping exact note on every day of the XXXX, both physical and mostly mental YOU will be paying for every single day I drink this XXXX out of my system because if not I will sit in my apartment and cry every day

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 2023-09-16
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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 endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} U S DEPT OF ED/XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$12000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2023-09-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: Total Card, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am trying to close on a house and over the last year, I have been repairing my credit. I called XXXX XXXX because my lender saw a collection on my credit report that was charged off. When I called the first two times, I was told that i must have the wrong credit card company because there was no record of my collections account there. I had my lender send me a screenshot of what they were seeing and sure enough, it was an account with XXXX XXXX. So I called back and asked to speak to a manager. Finally a manager was able to verify my collection account and got me over to XXXX  in Loss Mitigation. XXXX verified my account and I offered to pay it in full IF they would send me a {$0.00} balance letter THAT DAY for my lender. She said I would get one emailed to me immediately because the payment will trigger that automatically. So I paid the account in full- {$410.00} paid XX/XX/XXXX acct ending in # XXXX XXXX XXXX  Payment Confirmation # XXXX I asked when I would receive the letter and again, XXXX said to give it XXXX minutes and that if I didnt get it, to call back. Didnt get the letter over an hour later, so I called back and asked to speak to XXXX I was told no one could send me to her and that, AGAIN, the account I just paid off, did not exist. I was hung up on 3 times before someone gave me to a manager and they got me over to someone who claimed to be XXXX manager. When I asked where the letter was, she said Oh well XXXX didnt tell you that it takes up to 2 weeks for your payment to post so you will receive a letter after your payment posts. I was furious. I told them I was going to lose my house if they didnt send me a letter ASAP. They said theyd try to escalate it. Well, I never received the letter and my first mortgage got denied. 

I have called back and disputed the account MULTIPLE times always with the same result. I have uploaded screenshots from my bank account where I paid the account in full, as well as the payment confirmation number, and the entire story and everything employee Ive spoken to to NO AVAIL. I even took to social media, emailed the CEO of XXXX XXXX and then finally, 3 DAYS BEFORE MY CLOSING, they responded to my credit dispute on XXXX and REPORTED MY ACCOUNT AS {$410.00} CHARGED OFF IN XXXX OF XXXX!!! I PAID THE ACCOUNT IN XXXX!!! THIS IS FRAUD AND THEY ARE RUINING MY LIFE!! MY FAMILY COULD BE HOMELESS BECAUSE OF THEIR CRIMINAL ACTS!! Im filing a lawsuit against them and they should be receiving a letter from my attorney this week but they need to be SHUT DOWN FOR GOOD!! Please help the public by investigating and shutting them down! They are a DANGER to the American people!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Fraudulent transaction occurred on my Kohls account form around {$250.00}. I called XX/XX/21 to report this information. The card was closed and I eventually received the credit, however it has been almost 6 weeks and I am still without a card. Every-time I call, they inform me that it has been cancelled and a replacement card has been sent. This has happened 3 pr 4 times. No one can tell my why It keeps getting cancelled or by who. It is not by me and I have informed them of this. It makes me VERY nervous to know what is happening w my information and why I can't get a card sent to me for my replacement. I asked one representative to close the account, because at this point I am unsure of how to protect my information. She told me I could not because there is a balance which is incorrect. They say they can't overnight a card, nor tell me what is happening w my information. This is terrible business and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: JPMORGAN CHASE & CO.
State: AR
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:
XX/XX/2023. Someone tried to open up credit card with my name while using the wrong address and it also got approved but was denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
Company: Affirm Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX XXXX : XX/XX/XXXX. {$330.00} in credit card payments. i have reported it to XXXX XXXX XXXX XXXX multiple times, but they have not removed the payments. 

Affirm Inc : XX/XX/XXXX. {$550.00} in fraudulent charges. I reported this to Affirm, but they didn't remove the charges. 

Affirm Inc : XX/XX/XXXX : {$850.00} in fraudulent charges. I reported this to Affirm, but they didn't remove the charges. 

Affirm Inc : XX/XX/XXXX : {$2600.00} in fraudulent charges. I reported this to Affirm, but they didn't remove the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2022-06-25
Company: EQUIFAX, INC.
State: MI
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 XX/XX/XXXXAccount # XXXX XXXX XXXX L, Account # XXXX # XXXX XXXX XXXX XXXX, 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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I RECEIVED MY CONSUMER REPORT AND FOUND IT FULL OF INACCURACIES DELETE FROM MY CONSUMER REPORT IMMEDIATELY, INACCURACIES LISTED BELOW. 

XX/XX/XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( TRANSUNION ). 


XXXX XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE IS ( INACCURATE WITH TRANSUNION ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT IS ( INACCURATE WITH TRANSUNION AND XXXX ( XX/XX/XXXX ) OPEN DATE ( INACCURATE WITH TRANSUNION ( XX/XX/XXXX ) LAST REPORTED DATE IS ( INACCURATE WITH TRANSUNION AND XXXX ( XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. stated I have the right to privacy.

15 U.S, C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  XXXX in 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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm trying to send money to myself overseas using XXXX XXXX but Capital one refuses to let me use the service blocking XXXX XXXX from removing the funds from my account. Forcing me to use their credit card so I can pay {$30.00} fee plus interest on money advance when I have funds on my bank account. I tried to contact them twice and the last time the person who I spoke with told me that was nothing they could do about that. That they would not allow XXXX XXXX to remove the funds. The money is mine they can not force me to pay fees that I wouldn't if I had a different account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX in 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