BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2022 I called Citibank to report a fraudulent charge, after which they advised that this charge was happening every month since XXXX so they recommended I cancel my debit card and get a new one. Since this was a Friday I was concerned I wouldn't have access to money the whole weekend but the representative assured me it would be " over-nighted ''. I never received it on Saturday so I called Citi on Sunday, I had to call 3 times before anyone on the other end would respond, it was just silence once I started talking. On the 4th attempt I was told the card was delivered ( lie # 2 ). I then called a 5th time and was told it takes 1-2 biz days so I was lied ( lie # 1 ) to when I was told I would have it over-nighted. On Monday, XX/XX/XXXX, I still didn't receive the card so I called and was told since I didn't receive it I would have to order another card and was told yet again, it would be over-nighted ( lie # 3 ). All this time, I have no access to money and can't do any banking online as access is restricted since I don't have a new debit card. When the 2nd card was ordered, I requested a tracking # so I don't have to keep calling Citi but I never received the tracking. I then called again this morning ( Tues ) to find out when my card would be arriving. The 1st rep left me on hold for 30 minutes so I called back again and asked for a supervisor, she said the card takes 1-2 biz days so once again, I was given misinformation on Monday by being told it would be over-nighted. Now I am demanding a tracking # and was sitting on the phone for another 30 min while the supervisor is trying to get the tracking #. So she insisted she would call me back with the info and I said, I don't trust you will but being I am at work I couldn't hold any longer. She never called me back and I still don't have a debit card or tracking number. Citibank is absolutely horrible, negligent and unprofessional giving all kinds of misinformation. I detest banking with them and I will most certainly be switching banks.

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 2022-08-29
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: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}

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 2022-08-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}

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 explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: SQUARETWO FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CACH , LLC is on my credit report as the collector for XXXX. I, at XXXX time, had an XXXX credit card. I did a balance transfer in XXXX of my XXXX account balance to my XXXX XXXX XXXX Credit Card to take advantage of a lower interest rate promotion. The XXXX credit card was closed with this transaction. I closed my XXXX XXXX XXXX credit card account in XXXX after I started to experience financial difficulties, but continued to pay the debt to XXXX until I could no longer do so. I stopped paying XXXX XXXX XXXX in XXXX or XXXX. XXXX XXXX XXXX this past XXXX did a charge-back and sent me a XXXX Statement of Income that I had to file on my XXXX Federal Income Tax Return and claim over {$14000.00} of bad debt ordinary income. This was added to my retirement benefit payments income and left me with a tax bill that I have no choice but to pay in monthly installments. When I pulled my credit reports in XXXX and saw the CACH , LLC collection for XXXX I saw the error. Record of my XXXX balance transfer must have been made available in the post-merger XXXX XXXX XXXX files, sometime after XXXX merger of the banks. I do n't owe any money to XXXX. XXXX XXXX XXXX paid them off in XXXX ( or maybe XXXX ), over 10 years ago. I have had no dealings with XXXX for over a decade. I 'm paying whatever portion of the XXXX XXXX XXXX credit card balance used to hype my XXXX personal income, if any remains from the XXXX balance transfer and close of the XXXX credit card account, in monthly installments to IRS. At best this collection account is too old and XXXX stated mistakenly as the original creditor, so it would appear to be a separate debt from the XXXX XXXX XXXX credit card charge-back. CACH , LLC on behalf of XXXX appears to be using old, settled debt to pressure me into paying them money not owed by 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 2022-02-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Chase bank regarding my checking account. I've had the account for a long time. 
The letter I received in XX/XX/2022 said my checking account will be closed on XX/XX/2022. 
As of today, it's still open but I can not get an answer from employees as to why it's being closed. 
I've had overdrafts in the past, but not for many months. 
I've called my local branch and talked with the bank manager the first week of XXXX, XXXX. He can not tell me the reason. 
I've called customer service XXXX  since XX/XX/XXXX. No body will tell my why, or they transfer me to someone else who can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The court of XXXX XXXX XXXX  ruled that support of this false debt should be provided, also I sent an emailed request to company Midland Credit Management advising this Is not my debt please provide any documentation showing it was. I received multiple harassing calls, I was never served a subpoena and never received any documentation of what is the origin of this debt with XXXX. I'm at a loss they want to garnish me in amount of {$2200.00} for fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: NC
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Have not be able to access direct deposits in more then 14 days customer service rep claim that they do n't have access to members account and will not be able to assist you and are taking your number down. This all started two weeks ago with a system update that was only suppose to take two days. I have had a account with rushcard since XXXX this is total unacceptable. I have been working for free this past week I have no way to buy for get to work pay bills or take care of my kids.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
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:
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 RIGHTS TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX XXXX XXXX {$270.00} DATE OPENED XX/XX/XXXX, XXXX XXXX XXXX UTILITES DATE OPENED XX/XX/XXXX, {$1700.00}, XXXX {$310.00} DATE OPENED XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$1400.00} ALL MY ACCOUNTS ON MY REPORTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I called Citibank to ask that my Citi Double Cash card be upgraded from a XXXX XXXX to a XXXX XXXX  XXXX. I saw online this is possible and my credit limit qualifies, as it is above $ 10k. The customer service representative told me that it is possible for other accounts but not mine. I feel this is discrimination and wrong. I should have the same right to have a XXXX XXXX XXXX as everyone else :

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 2016-06-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I borrowed money from ACE Cash Express several times. I lost my job after I took out my last loan. I informed them and made a small payment towards my loan and explained my situation. The representative set me up for a payment plan being on the date of my last check with my previous employer. The representative helping me told me with my payment it would bring me down to a lower even amount. After payment was made I called to make another small payment as I explained to the previous representative I wanted to make good with that company and pay them off but my employment situation was stopping me and once I got a new job I would make bigger payments. When I asked my balance it was even higher. I explained my situation to the representative and she told me it was an installment loan and grew interest daily I told her that he previous representative had told me I would n't get anymore interest and I would have to just pay off my balance. She said I would get interest til the end of XXXX which makes my balance a lot higher and causes lots of financial stress on me and my family being that I 'm unemployed. I thought I was doing the right thing when in fact I should have never gave a payment so I would stop accuring interest a lot sooner. I was not valued as a customer to this company obviously I would never recommend their services to anyone. They did not attempt to help me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Servis One, Inc., Titusville, PA Branch
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
BSI Financial bought my mortgage from another company. ever since they have stated that I have not made payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: CITIBANK, N.A.
State: MO
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:
My wife opened a Citi credit card in my name, without my knowledge, over 13 years ago - on XX/XX/XXXX - and I just found out about it 3 months ago. Since XX/XX/XXXX, I've been desperately trying to pay off the final amount I saw on XXXX XXXX  so that I can repair the damage my soon to be ex wife has done to my financial health. Citi has made it extremely hard for me to close the fraudulent account, and to even pay it off. My divorce lawyer instructed me to pay the minimum monthly amount on the Citi credit card ; fortunately, only a balance of {$370.00} was due when I discovered the card - so I thought it would be really simple to end this ridiculous situation and just pay Citi. Citi has made it almost impossible for me to close the account and finally pay off the card. I've contacted multiple offices at Citi ; I've sent multiple letters and so many phone calls I lost count. I reached the most recent individual, and he said just send them a check if they won't send you a formal statement and acknowledge that it's you and that you are trying to pay this off. So I sent a check - for {$5.00} that they charged me in addition to the {$370.00} - I just wanted it over with. Well today - XX/XX/XXXX, three months after I first contacted Citi and tried to resolve this - my check and letter has been returned to me. I am sick to death of Citi continuing to victimize me. They allowed my wife to open the card fraudulently in my name way back in XX/XX/XXXX, without my knowledge, and have let it stay open, and let her continue to charge on it for over 13 years! I've explained the situation to them multiple times - they keep asking me to verify security questions to make sure it's me, and I keep telling them I never opened the card so I don't know the questions she made up! And around and around it goes. They said they'd send me a letter with a confirmation code I could call them to verify it was me, and then pay the card off and close the account. The letter never came.

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 2022-05-24
Company: JPMORGAN CHASE & CO.
State: NY
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:
Below is a list of accounts and/or inquiries that we reviewed together and determined to be fraudulent : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX The automated system confirmed the XXXX XXXX Card application was received/denied. 

CHASE XXXX XXXX XXXX XX/XX/2022 XXXX XXXX confirmed the application for a XXXX XXXX card was flagged as fraudulent/denied. the hard credit inquiry will be removed within XXXX days XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX advised the card had been closed as fraudulent. None of your personal information was used, just your name and address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because it is affecting my credit score.

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because it is affecting my credit score.

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 2015-10-23
Company: Empowerment Ventures, LLC
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My complaint is against Rushcard, my funds were held up for 6 days because of there system updates. When I did n't get my deposit on XXXX as I normally would get 2 days earlier than my pay day XXXX, I started placing calls to them, then was told would get funds on the original pay day due to system upgrade which would have been XXXX still no funds on that day I kept calling and holding for over XXXX minutes each time to be told they can ' provide me my account information because the systemwas n't work, I placed several calls a day to the company between XXXX, i finally spoke with a lady on XXXX who got my funds released on XXXX this was the worst experience ever with this company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I was advised by rushcard of an update on XX/XX/XXXX between XXXX and XXXX XXXX. At XXXX XXXX that day i got an email stating it was taking longer than expected but would be up at XXXX. At that time, i was able to use my card, however my balance was not updating. my direct deposit was scheduled to hit both tuesday and wednesday, my balance still does not reflect that. i have no money to pay my rent, or feed my daughter. i need my money ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-18
Company: Empowerment Ventures, LLC
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Tuesday is the day I get paid early. But Thursday is my original pay date. It 's now Saturday XXXX XXXX 2015 and my account balance is still XXXX. I have no money to feed my family no gas to get to work nothing. This has become a problem and now my bills are due and I have no resources to turn to. I have the only income in my household and my family relays on my money. Rush card has made this time very hard and I need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Adding money

Complaint:
i have a prepaid rush card and is having promblem with my money been poster on my card have call rush card but there calls or high and ca n't get there to talk to anyone and this problem stared on XXXX/XXXX/2015 and i am not the only one having this problem with rush card everybody that use ruch card is too

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-22
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Northest Collections Agency XXXX. They have the wrong phone number, I have repeatedly asked them " nicely '' to stop calling to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This is a fake credit company. I have done research on this company, but they somehow managed to get into my credit report and illegal XXXX with my credit report, beinging my fico score down. Stating that i owe them money. Bogus if you ask me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: SG and Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed this on my credit and this was paid off through the company XXXX years ago. Ive signed in to XXXX and it shows a XXXX balance for me which I have attached to this complaint. Even if I still owed XXXX it would have been XXXX payments under {$100.00} each not the {$310.00} they are posting on my credit report.

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