BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: CAINE & WEINER COMPANY, INC.
State: GA
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:
Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Account Status Open Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment -- Responsibility Individual Balance {$2800.00} Highest Balance {$2800.00} Payment Status Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late -- / -- / -- Remarks Account information disputed by consumer, meets FCRA requirements Payment History Latest Status : No payment history has been reported by this creditor. 
Creditor Contact Details XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} under laws codes : fair credit reporting act violation of my rights 15 U.S.C 1681s-2 ( A ) ( 1 ) 15 U.S.C 1681 SECTION 602 A, 15 U.S.C 1681 SECTION 604 A SECTION 2 15 U.S.C 1681C. ( A ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I recently opened a savings account with Marcus by Goldman Sachs. The very day I transferred funds into the account Marcus LOWERED the interest rate without warning. I called to close the account and was told the funds were on hold and to call back on XX/XX/XXXX. I called on XX/XX/XXXX and was told to call back on XX/XX/XXXX. This bank is working a SCAM! I want my funds transferred back to the accounts from which they were taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Im demanding a Method of Verification into the investigation of the following accounts inwhich I disputed the fraudulent accounts inwhich was opened up without my knowledge or consent. I'm requesting the name and title of the employee inwhom worked on this, the time and date, and what physical documentation was received and how it was received inwhich tied me to these accounts. And if you or your companies can not provide this detailed information within 30 days then you and your companies shall remove and block the following accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX  3. XXXX XXXX XXXX 4.XXXX/ Dept of ED {$1200.00} 5. 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 2022-12-29
Company: Fundo LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In the beginning it was explained to me that this particular loan was to help small business owners and there was no interest, but just a fee added on to the loan. Currently my payment status is up to date but the last time I spoke with the company I asked them about final payment and they told me I owed the amount {$1900.00} on top of the {$1200.00} Ive already paid them. I was confused about the total amount because the loan was only for {$1200.00} originally when I told them I was never explained any of these extra fees they seem to backpedal and couldnt explain anything and told me they can email me the agreement. The email stated that I abandoned the call with an agreement attached that I was never properly explained. I dont want this bad loan to affect my credit that Im so desperately trying to repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX {$2300.00} Shows this account was opened in XXXX of XXXX  and that is incorrect this account is old and dated back to XXXX. The amount is also incorrect. I have disputed this with XXXX as well as XXXX XXXX and no action is being taken. This should no longer be on my credit account. I at one point got a response that information was correct I has submitted but was never removed from my credit report. 

Portfolio Recpvery XXXX XXXX  XXXX {$460.00} This account also has in correct dates and is too old to be on my account I have filed several disputes with nothing being done nor even a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Today XX/XX/2019 I applied for an RV with XXXX XXXX XXXX. I went to this company because they showed up under my web search for RV Dealers for bad credit buyers. I saw that my credit score went up to XXXX, and the company would have worked with me if that was correct. I had told the salesperson before he ran my credit about what I saw on my paid subscriptions, as well as the free subscriptions. I have a subscription with Experian, XXXX XXXX XXXX, and XXXX XXXX. All three showed me a XXXX, XXXX, and a XXXX. XXXX XXXX XXXX   updates my scores every thirty days as long as I refresh it. But they had me XXXX XXXX, Experian XXXX, and XXXX  XXXX. Granted I just paid my debt down with my credit cards to below 20 % so I won't see my new score on XX/XX/2019. I even have an Experian account, and that is the XXXX. 

I'm a victim of ID theft and bank fraud. I'm working with XXXX XXXX to help me with my problem and to get my credit straight. I've been with them for five months, and I don't see anything that they are doing because today I was told that my credit score was a XXXX. All I could do is cry. It's bad enough that I'm a victim of ID theft and bank fraud. Now I'm being ripped off by XXXX XXXX XXXX, Experian, XXXX XXXXXXXX, and XXXX XXXX. It isn't fair that I'm looking at scores that would help me to get financing only to be told that I am 100 or more points off or down from what I'm telling companies pulling my credit to get me financing. I am so embarrassed because it seems as if I am lying. How can they get away with this? Something needs to be done, and this is my first step because I have my grandmother as well as my husband going through these programs to help us to get our credit corrected. I feel that I need a refund from them all if everything that I am seeing is a LIE.

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 2022-12-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax please delete these two credit inquires that are on my report.XXXX XXXX XXXX They are not mine. They were not initiated by me and you are not authorized to report them. Please see attached police report and other documents. 

Please no more games. FCRA requires you to respond to identity theft issues within 5 days! 

I am tired of calling you all and your personnel behaving like they did not get these documents or can't find the police report. Please retrain your people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or around XX/XX/2022 Citibank blocked a standard ACH funding deposit and then claimed it was fraudulent. The bank holding the funds is a standard XXXX bank that I dealt with for years and is reputable. 

The Citibank Fraud department hung up on me repeatedly, then 1 individual there refused to tell me the nature of the problem, only that " it was under investigation and no other information was available. '' She promised a Supervisor would call me and I never heard from them. 

Now, after 50 years of perfect credit I can't open a bank account since this " fraud " report. I can't find the reason or source of the problem despite many calls and current reports from banking reporting companies eg XXXX systems etc., all showing a clean record. 

FYI, Citibank has hundreds of complaints of this nature on its XXXX page and on XXXX sites. 
This bank is engaging in fraudulent and slanderous behavior that is causing many problems for no known reason.

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 2023-01-09
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
This is a follow up complaint to the complaint # XXXX described below. Wells Fargo 's reply to that complaint stated they could not find the CD account ending XXXX. Well, duh. That is not my CD account number, which ends XXXX XXXX. That number is clearly printed on the CD and the receipt for same. They need to more " thoroughly review '' their records and find my deposit. I also want to know how a renewable CD with interest reinvested can be " inactive '' or " dormant '' and turned over to the State without notifying me. Here is my original complaint : On XX/XX/XXXX I deposited {$15000.00} with Wells Fargo Bank and received a Certificate of Deposit. I still have it. On the back of this Certificate of Deposit is a cash register Transaction Record receipt for the same amount and a " Thank you, XXXX ''. I forgot about this cd which was to renew in 180 days at 5.02 % interest. Now retired, I'm trying to organize my finances and I discovered the fancy, scrolled, member FDIC, Certificate of Deposit and contacted Wells Fargo to ask about my welcomed discovery. After their search, they said they have NO RECORD of it. What? They said that I should check my state 's Unclaimed Property roster. I did, with no luck. I don't understand how my deposit could be handed over to the state, if that's what happened. I am and have been a Wells Fargo customer since XXXX. I don't understand how a renewable certificate of deposit could be considered " inactive '' and seized by the state, if that is what happened. Also, if this renewable cd was deemed inactive, why didn't the bank contact me? They have my address, the state does, too ( I file taxes every year. I am not dead, yet ). Should I have kept my $ XXXX under my mattress instead of with Wells Fargo?

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 2020-03-30
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called in today regarding fraudulent recurring charges on my account. I'd previously raised a dispute over the charges online, and those charges were reversed. However, Chase did not block those charges from being made to my account again in the future as I had originally requested. I called in to dispute the new charges and to close the account. After a wait time of over 3 hours, I was told that they aren't able to close the account because the charges are being disputed - we'll need to wait until after the charges are reversed, and then I would need to call in again to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29
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:
my complaint is for XXXX XXXX XXXXXXXX XXXX. we tried to book a room with them on on XXXX through there website. First time the website took us out and didn't show anything and i figured it was a glitch and tried it a second time and the same thing happened, didn't give any information. I then proceeded to go to XXXX and booked through them. When i arrived at the hotel and checked in through the XXXX confirmation i told the clerk at the desk about what happened and that i was charged and they informed me they were sorry about that and would help reverse it right away. That didnt happen. I been trying to get this resolved through mu credit card Citi bank as that was the form of payment i used to pay for XXXX and through XXXX. i wrote a statement that citi bank needed me to send them to send to the merchant to explain what happened and the merchant denied all claims and keeps reversing back the charge to my credit card two charges for $ XXXXthe merchant can clearly see my stay with them was through XXXX XXXX They need to make sure they are reading all the statements how can it be any fault if there was a glitch on the website. the clerk at the desk could had told us it wouldnt be reversed to handle it then in there but they said we will take care of it and we are sorry.

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 2017-02-23
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I defaultedt on my private student loans with and Navient in 2012. Since then I 've made payment arrangements with their collection agency XXXX and I 've made every payment on time since 2012 according to our agreement. The unfortunate part is as long as I owe them, my loans will stay in default. these defaulted loans will continue to impact my credit until I pay them off in full which negatively affects my buying power. XXXX has ruined my family life and navient has not helped me with any other options to better my situation. I still owe over 40k and I 'm told I will remain in default until the loans are paid in full. This is a lifetime punishment as I 've already been in default for 8 years. It 's ashame I had to default for the collection agency to work with me and give me a reasonable agreement because Navient would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Paragon Subrogation Services, Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : Paragon Subrogation Services ) To whom it may concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt. 

Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports. 

I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties. 

Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done. 

Thank you for your immediate attention to this matter. I anticipate a timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I like to file a complaint I wrote a letter asking for proof of the Debt require and how the debt was acquired and the original creditor and under the fdcpa the bank had 30 days to respond to the debt that I owed they then have 30 days to respond to the debt that is owed the bank of America has yet to respond to the the request of proof of the debt the bank has yet to respond to to Verify or Validate the debt owed

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 2021-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
OnXX/XX/2021 Bank Of America closed my account and I was no longer able to access my money. It was determined that that there was an outside agency ( FBI ) who had a seizure warrant. However on aboutXX/XX/21 the FBI reversed the seizure and BOA is still refusing to give me my money back. They are claiming that it is in a harm hold status and I have hit a brick wall as it relates to speaking with anyone about my money. I had {$89000.00} taken from my XXXX XXXX Savings account and {$640.00} taken from my XXXX XXXX  Checking account. OnXX/XX/XXXXI received a letter from BOA stating that they have close my account and at this time, any remaining balance wont be returned to you as per their term in their deposit agreement. The stated that they have frozen the funds while they review transactions and validate the source of the fund. After this I received new statements from each account with XXXX balances. Since this time I have not been permitted to talk with anyone in the harm hold department. I can not get past the client protection department. I have made 10 calls only to be told that rep will email the harm hold department and I never hear anything back.

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 2021-05-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Wells Fargo Bank where I have been a customer since 2001. The mortgage was to finance an investment property I was trying to purchase. The loan number is XXXX. Property address is XXXX XXXX XXXX, XXXX XXXX. 

The loan officer collected {$600.00} in advance for a full appraisal. A couple of days later neither the realtors nor I was contacted to schedule the appraisal, but the loan officer advised the appraisal report is completed. That was shocking to me and the realtors as there was no appraiser sent out to inspect the property. I was then advised by my loan officer the appraiser did a desk review rather than a drive by or full appraisal. By reviewing the appraisal, the comparable properties used were solved over 7 months which did not factor in the current real estate market or in-person appraisal. The loan officer said there was nothing he could do to either have the appraisal reviewed or anything else. Needless to say, I had to cancel the purchase contract and withdraw my loan application because of the low value the desk appraiser assigned. 

I believe this is a misleading and deceptive practice because once I should not have been charged for a full appraisal of {$600.00} if there was going to be a desk review done only and charge {$420.00}. Also, I would not have applied with Wells Fargo if I knew they would not do a full appraisal and would not consider the current real estate market. 

Given the deceptive nature of their loan application process, I would like to be refunded all {$610.00} I paid for the appraisal and credit report upfront as they did not disclose any of this information upfront.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602A States that I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief