BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a Wayfair credit card through CitiBank around XX/XX/XXXX. To this date I have never received that actual card, so I only have access to the last XXXX digits. 
I charged {$370.00} on or about XX/XX/XXXX through Wayfair. On XX/XX/XXXX I paid my balance in full through my XXXX XXXX XXXX  bill pay. I have documents through my bank that the check ( # XXXX ) went out XX/XX/XXXX, and was cashed ( deposited ) by CitiBank on XX/XX/XXXX. 
On XX/XX/XXXX I received a call from XXXX notifying me that I was late in my payments, and they're charging me a late fee. They asked me if I wanted to make a payment over the phone. I informed them that I paid my balance in full almost a month ago ( 24 days ago ). They said they had no records of that. I informed them I will contact my bank and get my documentation. 
I called XXXX XXXX XXXX ( XX/XX/XXXX, and printed my documentation. I called CitiBank back, and again, transferred me from XXXX person to another to another. No one had a clue of what they were doing. They finally told me to fax them the documents, and they will open an investigation and at this time they will put the late fee on hold. They gave me XXXX different fax numbers to send it too them. I then asked for an email as I'm retired ( XXXX ) and don't have access to a fax. They basically told me not their problem and I can mail it in. 
I ended up faxing them a copy of my check, front, and back on XXXX XXXX XXXX XXXX XXXX XXXX p.m. and have confirmation it went through. Citibank also gave me case # : XXXX. 
On Saturday, XX/XX/XXXX, I received a letter from CitiBank trying to collect a late payment for this acocunt.

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 2021-05-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
when covid hit i was approved for mortgage forbearance from XX/XX/XXXX to XXXX XXXX i started making payment in XX/XX/XXXX, and was approved for the balance due on my loan to be put on the end of the loan. I started the process in XX/XX/XXXX and was approved in XX/XX/XXXX. I was at that time told it would take 4 to 6 weeks to process my paper work. it is now XX/XX/XXXX and every time i call Citizens One, which is my mortgage company they tell me it is in process and should only take a week or so, it is now 5 months later. every time i call is sounds like the clerk is reading from a script and nothing is being done to process my loan as they have told me was going to be done. i have asked to speak with a supervisor and they will not transfer me. i want to refinance my loan and i can not because Citizens is showing me past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
When I am reviewing my credit report I noticed that it contains Credit Inquiries, I have never give permission to these companies to pull my report. That is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have a mortgage still associated with my credit from 15 years ago. she has re financed per the court order yet it still shows. she has missed numerous payments and is destroying my credit. 
MOST IMPORTANTLY tho. i have bankruptcy on there from XXXX of XXXX i never filed for bankruptcy. please help and remove this asap. Im going to lose everything because of someone else. please please please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I opened a CitiXXXX account with Citi Bank, by responding to their promotional {$2000.00} bonus with a deposit of $ XXXX or more within 20 days for 90 days. 
I decided to make external transfers from my XXXX XXXX XXXX in which I have 3 accounts XXXX  saving, Checking and Share Saving with the account numbers end with XXXX, XXXX, and XXXX respectively. I have over $ XXXX cash in XXXX saving and $ XXXX in checking. 
On XX/XX/2021, $ XXXX and $ XXXX and $ XXXX were deposited to Citi Bank and XX/XX/2021 $ XXXX transferred from my account XXXX to Citi Bank. I have noticed that all the transferred funds were credited to my Citi Bank account, although I noticed the last $ XXXX were not withdrawn from my XXXX XXXX XXXX account. I called twice the Citi Bank that even my Citi Bank account has been credited with $ XXXX, there is no deduction amounts from my XXXX XXXX account. I was told not to be concerned, since it is credited to my account, the bank eventually will take the fund. On XX/XX/2021, I got a note from XXXX XXXX XXXX that there were XXXX {$29.00} charges for insufficient funds of $ XXXX to my checking account. I realized the confusion and immediately transferred $ XXXX to my Citi Bank account. on XX/XX/2021, I got an email from Citi Bank that my account has been suspended. I called the Citi Bank about the confusion between the 2 accounts and that the $ XXXX transferred already sent and deducted from my XXXX XXXX account, so there is no problem of funding the account. I was told by the XXXX from Citi Bank that bank already has decided to close the account and my deposited of $ XXXX will be retuned within XXXX days. In the meantime, my last $ XXXX was transferred back to my XXXX XXXX account. 
Citi Bank did not want to listen to the situation and confusion and the corrections that I have made to resolve the issue, but rather to close the account and avoid the {$2000.00} bonus payment which was reduced to {$1500.00}, ten days after opening my account. 
I feel I was treated unfairly in handling my account as fraud. It has been 32 days that I am still waiting for my $ XXXX first deposits. I was told all the conversations are recorded and apparently no one cared to listen to my explanations.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry 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 non-monetary relief
Consumer complaint received 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sent cease and desist letter to Capital One This was received on XX/XX/2012 confirmed by usps per tracking.. 
Capital One has placed phone calls daily to collect alleged debt. Capital one has sent several emails on related to same. These all have taken place after XXXX! XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: TRUSTMARK CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On Tuesday, XX/XX/ at XXXX XXXX, I contacted XXXX Representative XXXX. Upon speaking with her, I informed her of two transactions ( {$6.00} & {$7.00} ) that included two Non-Sufficient Funds fees ( {$36.00} per transaction ). The fees was processed as an ACH. I informed her of an established agreement to opt out of overdraft protection when I first opened up my account. The agreement stated when the funds are not available in account the transaction are to be declined. I requested to dispute the transactions for the NSF fees, in which, she offered to waive one of the NSF fee. I declined due to my belief the funds was available during the time of transaction and in the event that the funds was not available, the transactions should be declined. I was emailed a document for electronic signature agreement in order to file the dispute. After carefully reading the agreement and how the agreement could be used, I elected for paper signature.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is attachments below.

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 2021-05-11
Company: Cactus Jacks Auto Sales
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: Account status incorrect

Complaint:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

I have not supplied proof under the doctrine of estoppel by silence, Englehart v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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. My credit report includes the account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Incorrect age of account on my profile incorrect of highest amount.its Also a data breach on my profile that I submitted a claim and havent heard back from the company Im always getting denied for credit its jus frustrating

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 2021-05-11
Company: Westlake Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, My name is XXXX XXXX XXXX XXXX. I co signed a vehicle for XXXX XXXX. He filed for bankruptcy on XX/XX/XXXX. But he settled with the vehicle loan company, Westlake Financial, for the vehicle and bought it. Everything was finalized by XX/XX/XXXX. XXXX sold the vehicle on XX/XX/XXXX to a company, XXXX, after an accident. However, assuming since he bought the vehicle and received the title that it was going to be off my credit. But recently I came to know that the loan was never removed from my credit report. We spoke with Westlake Financial and they claim they have stopped reporting the vehicle loan since XXXX. I tried disputing this with the credit bureaus but they are claiming they cant find my account. I would just like this vehicle loan of my record so I could continue to use my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX and I have no acknowledge as to why or how these student loans are on my report let allow reporting as collections.I am reaching out again seeking the deletion of these items from my report i am a victim of identity theft and I did not make these accounts. i ask that these accounts be removed and my privacy to stop being violated. as a human I know things happen but i am here to inform you that my privacy is my right and I have been taken advantage of. As a human being I am protected under 15 USC 1681 ( a ) you are in violation of my right to privacy. the following is infringed upon my rights and misleading by all reporting different dates and lenders.

XXXX  Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX  XXXX  Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$23000.00} transunion Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$23000.00}

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 2023-10-05
Company: Vengroff Williams, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was told by this firm VENGROFF WILLIAMS IN XXXX, FL that THEY had my license suspended because of an accident my son had. I was no longer in possession of the vehicle due to divorce, and was the sole responsibility of my ex-husband, who was not carrying insurance on the vehicle at the time. 

I was told by XXXX XXXX, Collection Representative of XXXX XXXX in XXXX, FL that they were the ones that suspended my license and if I fill out their " Conditional Release form '' and make a down payment on the money owed on the claim, that they would send me that form so that I can get my license reinstated. I diligently signed the conditional release form and sent everything they asked right back to them. They sent me back a sideways, half scanned " acceptance '' form that was not submitted in its entirety. My state DMV didn't accept that form. I asked for the form to be sent over in its entirety, and she sent me a different form, filled out digitally with not enough information on it, that the DMV STILL didn't accept. When I sent XXXX XXXX an email asking for the original half scanned form to please be sent in its entirety sot that I may go to the DMV yet again to give it to them. She called me up extremely rude and insisted that I sent her the form that way, and started yelling at me. Which is a complete lie, I have all the proof of how I sent over the form and how it was sent to me. After all of this, I came to find out by my DMV that this organization lied to me when they said that the form would be what I need to get my license out of suspension. The DMV pretty much stated that this company lied to me into getting me to sign this form, all I needed to do was to pay the DMV the reinstatement fee directly. They tricked me into signing a form of an accident that was totally not my responsibility. I just need to pay my fees directly with the South Carolina DMV to get my license reinstated. I tried calling the customer service number to speak to a supervisor and started getting the run around. These people practice in a very dishonest fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is frau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Your re-investigation did not result in any changes to my credit file. I've already informed you that my report involves false and incorrect accounts, which you must immediately remove and delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a client for welI fargo for about 4 or 5 years and i had to switch banks because i was constantly being wrongfully being charged a monthly fee when I had a checking account that if I used my debit card 10 or more times a month making purchases or ATM transactions that I would not be charged a monthly fee., i used my debit card at least 50 times or more a month, I was aways missing money and had unauthorized charges on my account, I would deposit money through the ATM ( cash and checks ) and would have to wait for a couple of days for my deposits to be available ... also about 4 or 5 months ago I went up north to New Jersey due to a family issue and when I came back wells fargo closed my account saying that my account was {$600.00} over drawn when I have not used my account in 4 or 5 months

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 2023-04-11
Company: United Shore Financial Services, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am attempting to transfer the title of my mortgage into a trust for estate planning purposes. I have called in 5 times asking if its possible with my mortgage loan type, each time I was advised they can not answer my question and that I need to send a written request to their Assumptions department. I was given an email address to email my written request to. I have sent emails on XXXX, XX/XX/XXXX and XXXX with a new written request for steps on transferring the title. At this point in time I have received no response to any of the written requests sent. When I call into customer service I am being told they have a follow up call set for XX/XX/XXXX. It at this point in time they have clearly missed that time line. Since they have not even acknowledged my written request they have clearly missed the RESPA guidelines for written requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  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