BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a bill at the end of XXXX on my CITI card for a purchase I did not make. First on XX/XX/XXXX for {$13.00} for XXXX XXXX XXXX XXXX XXXX XXXX. I called CITI reported it and they shut that card down. they said they would look in to it. Then I receive another bill with XXXX more fraudulent charges. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$33.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX {$11.00}, XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX {$28.00}. I called about those as well. I just received a letter from CITI stating that they were unable to resolve the dispute in my favor due to the information I provided and that I should contact the merchant. I have no idea what these purchases even are. They appear to be in foreign language. Lastly this card was only used for a balance transfer offer. It was paid in full XX/XX/XXXX. This card was never used to make any purchases.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

=============== Account name : XXXX XXXX XXXX Account number : XXXX {$670.00} Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
A corporate credit card went into default during COVID. Bank of America refused to continue to wait until the company was able to fully operate again. 
Bank of America started withdrawing all of my funds from my personal bank account, often leaving me at a XXXX balance then charging me NSF and Overdraft fees. 
My constant requests for the contract that they stated I signed authorizing them to do this continued to be denied and I recently found out through an attorney that they are obligated to provide this to me even if they say I already have it.

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 2023-10-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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 Reported : XXXX XXXX, 2023 Is a violation of my rights A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.this account is in bankruptcy from the creditor I was only a co-signer. That account is being payed full shouldnt never reported a delinquent status on my report period it not even on the creditor report whos in bankruptcy.Also if the account status been closed with or without a balance it shouldnt report a balance higher than it was on the date closed after any closed date on any account that would mean the account never closed which makes the information inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$800.00}

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 2023-09-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Open both Chase Total Checking and Chase Savings accounts on XX/XX/2022 on terms of {$600.00} marketing scheme that CHASE BANK HAD ON-GOING, I MET ALL REQUIREMENTS FROM OPENING AND THROUGH 90DAYS OR 3MONTHS, BUT NEVER RECIEVED THE {$600.00} CHASE BNK OWES ME, CHASE SAVINGS ( ... XXXX AND TOTAL CHECKING ( ... XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
In XXXX I signed up with a debt consolidation service Infinite Law Group. At some point they sold or transferred my account to Derek Williams Law Group. I realized in XXXX that I am paying too much for the services I have received. I have heard nothing from the in 6 months. I decided to cancel the service. I requested a refund of the monies I have paid in {$1800.00}. I got a breakdown of my account finding that none of the debts had been settled and the balance in my account is only {$200.00}. I cancelled and asked for a refund. I have been told that I do not warrant any additional refund. In further investigation, my contract states that I would be charged {$65.00} a month for the 10 months for a {$650.00} retainer fee that they have been collecting {$100.00} for. I have requested a log of what calls and letters have been sent to my creditors but am being told that they have to get approval by management as they usually don't give clients access to that. I want to know what has been done on my account to warranty the {$110.00}, {$49.00} and {$100.00} they have collected monthly out of the {$300.00} I have been paying into the account. It appears to me that they haven't been able to settle any of my accounts and won't be able to for a long time as there are little to no funds in the account to pay any of the debts even if they had been settled. Every time I have called them in the last 2 weeks, all I hear is but your contract ... yet they have been over charging me per my contract. I feel that they have been stealing money from my account. If I had not cancelled with them I would never have known that they were taking the additional {$35.00} a month out of my escrow account. If they are doing it to me how many other people are they doing this to? I was told by them that I was only eligible for a refund in the 1st 30 days. How would I have known in the 1sXXXX 30 days that no work would be done on my behalf. I feel that I have been ripped off by this law firm and have been advised to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Thanks for your help. I sent one claim last month but it is closed. But what the bank said it is not true. I donot know where to ask for help. Could you please help? 
the case number is XXXX. On XXXX Outgoing wire transfer - {$18000.00} to a person I did not know. Not sure who entered my account and did it, Chase said they can not refund. With your help, they replied but denied my case. The reason they told is not the whole story. 
It is a very complicated story. They replied " '' We sent a One Time Passcode connected to the phone number .... to send the wire transfer. '' '' The passcode we received is for another transaction. There were two transactions pending on XX/XX/24 when I made the phone call. one is {$18000.00}, another one is {$18000.00}. My purpose was to release the {$18000.00} since it was pending over 2 days and our vendor would not release our order. That is why I called. The banker on the phone thought I wanted to release {$18000.00}, he sent us code to release the money. By that time, I even do not know there is one {$18000.00} pending as well. He told me I release your wire. I said " no, it is ACH payment, not wire '' He said it is a wire. I said it is wrong. Then we figured we were talking two different translocation. I immediately told him to stop {$18000.00} since I did not recognize it. and only release {$18000.00}. The banker said I stopped the wire. This is the whole story, and it is recorded when I made the phone call. If the investigator listened the recording on XX/XX/24. He/She could find out where is wrong. It explained everything. The banker made the mistake and released the wrong one, when he tried to stop it, it might to late so it is released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My complaint is with you, Experian! This month AND last month Experian has taken a payment from my XXXX  account! Last month I did receive a refund. Im tired of having this happen every month. Please refund my money {$24.00} and stop charging my XXXX account every month! Its a shame I need to complain about a credit company for trying to steal my money.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been a victim of identity theft and I filed the FTC report and correct paperwork and sent them to the credit agencies. They were not attached to the disputes I filed and I still have not received copies of the verification process. I contact them all the time and they still dont file the correct dispute and the correct paperwork

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: Global Lending Services LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
XX/XX/2021 this this vehicle was in a car accident and was totaled and I was not aware of this showing up on my credit report as an repossess when this car was totaled due to an accident. How can you put repossession on my credit report when this car was totaled due till a car accident. This is really stop me from purchasing a vehicle because its showing up as an repossession on my credit report when car dealerships is pull my credit when this vehicle were totaled two yrs ago and my insurance paid this car off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX Shows multiple incorrect addresses and a Social Security Number ending in ( XXXX ) that IS NOT MINE and should not be on My Report. 
Also : My Report [ s ] should only show that I am XXXX XXXX ad that is my current status. 
Ive tried to contact them By phone & mail to no avail.

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 2023-01-19
Company: Block, Inc.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My complaint involves not receiving a referral bonus using the CashApp service, however, after encountering the referral bonus not being credited as promised to my CashApp account, Ive come to believe the whole referral bonus offer from CashApp is a scam designed to dupe customers into inviting new people to join CashApp and use its service. I chose to refer my husband when he needed to send some money to a friend, and we figured we may as well get the {$15.00} referral bonus for him signing up. ( ( his info : XXXX XXXX XXXX ) ) I will include screenshots of their instructions for claiming the bonus, which I followed, and which he also followed. The very second that he claimed the referral and the bonus should have been paid we both started running into issues using the app on our respective phones. The app forced my husband into creating a second CashApp account after he sent the required payment for receiving his {$5.00} portion of the referral bonus. I later discovered this was likely on purpose so that this could be the stated reason for them to refuse to pay the bonus. 
I have screenshots of his interaction with their chat support, plus screenshots from the actions necessary to qualify for the referral bonus. At this point I am less concerned about receiving the {$15.00} bonus for me and {$5.00} bonus promised to him and am more concerned with how they are conducting their business and purposefully tricking people into believing they can receive any bonus for referring new customers. It is a fraudulent offer, at best, in my opinion. 
I can certainly provide more detailed information if necessary, please let me know if I can provide anything else you may need. Thank you for your time and assistance. ( The screenshots provided are from my husbands account as I have been locked out of my own CashApp account since complaining. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-08
Company: Experian Information Solutions Inc.
State: GA
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 received my credit reports, and after carefully reviewing them, I discovered inaccuracies that I would want to have investigated into. In order to exercise my rights under 15 USC Section 1681i ( Procedures in case of disputed correctness ), I am writing this letter.

1. Reporting multiple discrepancies among bureaus and falsely stating I lived at addresses I never resided at below are the incorrect addresses that need to be removed asap. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX. 
These Fraudulent addresses are connected to Fraudulent accounts XXXX Account # XXXX XXXX XXXX Account # XXXX I also have a few inquiries that a fraudulent and have been listed on my credit report this information is provided below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DO NO PLACE ANY EXTENDED FRAUD ALERT OR FREEZES ON ANY ACCOUNTS

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: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
As of XX/XX/XXXX, my student loans were completely paid off. During XX/XX/XXXX I was experiencing financial struggles so I decided to request a refund for all the payments I made on my student loan after XXXX a total oXXXX XXXX. Upon this request that I made over the phone they told me since I've made all my payments through direct deposit I would get a refund within XXXX business days to the same bank account. 5 months later XX/XX/XXXX I have not received a direct deposit nor a check in the mail. I have not been contacted by Ed Financials about this issue. I've called many times to resolve this situation. XXXX XXXX  ago I request that they cancel this refund, at this point, I no longer need this money. Since the first day of my request, a balance of {$3100.00} has been shown in my account. Student repayment begins in XXXX and if this issue is not resolved by then I am focused to pay new interest on my balance. This situation is very frustrating because this loan provider never gave me any documentation about this transaction, no confirmation, and no detail on the timeline. I'm left with a lot of unanswered questions and a new debt to clear without warning. If I had known that there would be possibly any issues with requesting my refund I would have never made the request. Edfinancial responsed about my issue XX/XX/XXXX and stated " Your concern, as we understand it, is you are requesting to cancel your refund request. On XX/XX/XXXX, you requested the funds to be cancelled so the funds can be applied back to your account. On XX/XX/XXXX, we began processing these payments to your account in our new system. Due to the recent transferring process of your account, please allow approximately 30 days for the payments to reflect on your account within the new system. '' As of XX/XX/XXXX my account has a balance of {$2600.00}. This amount is very unusual since they only removed {$490.00}. I should have my account returned to the original ZERO balance but as of today that is not the case. I have been more than patient with the process of correcting my account but now its been 6 months where my account has not reflected the correct balance and I believe this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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 XXXX XXXX and XXXXXXXX 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 any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX reported a late payment to Credit Bureau even though I've been on auto-pay for the post 10yrs+. 

Called multiple time and getting the run-around.

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