BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-18
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I had funds that I earned some tears past in XXXX XXXX whee I was involved with power XXXX XXXX to XXXX XXXX XXXX and all earnings were deposited to XXXX XXXX XXXX  XXXX, as there was only one small bank in XXXX and not recommended, XXXX being the assumed safest option. 

I requested XXXX  XXXX early this year to transfer my funds to my XXXX XXXX XXXX, then I had to pay the usual fees to make the transfer, this done I was given details that the transfer had been made by XXXX XXXX via their corresponding bank Citibank New York. 

Then I was taken ill with XXXX and after treatment resumed to find oit where my funds were, dealing with a Dr , XXXX XXXX, I was sent details of my funds on route with Citibank, I then again contacted Dr , XXXX XXXX of XXXX XXXX to ask what was the delay, after more fees requested. 

I then sent a letter to XXXX in USA and received a positive reply from a XXXX XXXX confirming my funds were indeed in Citibank New York waiting onward transfer to my XXXX XXXX XXXX. 

He asked me to obtain the XXXX document from Dr , XXXX XXXX at XXXX XXXX, this I arranged and XXXX sent this to XXXX XXXX. 
Then several E mail exchanges with XXXX XXXX, then he said there was a hold on my funds by XXXX XXXX and that I would have to send {$500.00} Dollars to allow my funds to be transferred, this I did and I was given the bank account in XXXX XXXX Florida for the XXXX XXXX lawyer namely XXXX XXXX XXXX XXXX, he then confirmed by E mail that he had received the {$500.00} Dollars, then another E mail from this XXXX XXXX XXXX to say I had to pay IRS Tax of {$1000.00} plus Dollars, at this while I questioned him as I know there is NO such tax as my funds were being in USD have to transfer via the United States, while arguing by E mail, I became suspicious So yesterday I called the XXXX XXXX head office in New York and they put me through to their official register and after their search advised that there was NO XXXX XXXX XXXX XXXX in any office of XXXX XXXX and also that his E address was not genuine. 

Today I had exchanges again with this XXXX XXXX XXXX XXXX, threatening to cancel all my funds in Citibank if I did not pay up this IRS tax. 

meantime just to be certain I was waiting an E mail confirmation from XXXX XXXX of XXXX XXXX who when it arrived he had re-confirmed that XXXX XXXX XXXX XXXX was a FRAUDSTER and to take action as I do now with your esteemed office. 

I have several documents that I would like to attach as evidence if you can let me have an E mail address I will send

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00} XXXX XXXX XXXXXXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00}

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 2018-01-05
Company: Worldwide Processing Group, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Starting on Thursday XXXX XXXX, both myself and relatives have gotten calls daily from someone attempting to locate me. So far theyve called from : XXXX XXXX XXXX XXXX Same recording every time. Online searches show that its a payday loan scam, they say that you have a payday loan outstanding, and you have to pay up or face consequences. Related to this, I got the same type of calls two years ago, and ended up paying after the caller emailed me a validation of debt, which in hindsight was probably fake. 

I havent taken out any payday loans, but theyre insistent and say maybe you just dont remember. I literally have not taken or borrowed any money, yet these phone calls from scammers just fall out of the clear blue sky for no reason, known to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for a checking on XX/XX/23 using the promo XXXX because they had a bonus of {$400.00} for depositing {$1500.00} with them. I made a deposit of {$1500.00} exactly on XX/XX/23, as well as several other smaller deposits on other days totaling more than {$1500.00}. It's been over 6 months and I still can not get anyone to help me one bit. I first reached out to a Truist representative online via live chat however they were unable to help and gave me a phone number to call. I called the phone number on XX/XX/23 and the lady I spoke to was even more unhelpful than the first one I spoke to. 
I completed all the requirements of this promotion and it seems like there is not a single person who is able to help me get to the bottom of it. Please fix this.

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 2023-09-09
Company: EQUIFAX, INC.
State: ND
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 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 29 It also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These Accounts have violated my rights According to FCRA. 
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 THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

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 2023-07-29
Company: EQUIFAX, 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$33000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the LISTED account. 

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 2019-04-04
Company: EQUIFAX, INC.
State: NJ
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:
This company as well as the other company side with credit card company and believe anything the card company tell them over the real truth. Credit card that was issued by XXXX XXXX card was duplicated and many charges made, however despite many attempt equifax, XXXX XXXX and XXXX  report whatever the Credit card company tell them and this is not fair. I plan to start a law suit against the there company and XXXX XXXX XXXX if they dont removed the negative information about being late on payment. I stop making payment because those charges are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just noticed XXXX XXXX XXXX XXXX on my credit report. I never opened ANY of these cards. I have filed an FTC report with them on it. Still no action. Why is XXXX putting it on my credit report??? I also told the credit bureaus to remove as it's not mine. They won't follow the law. I've sent them a FTC report. Those accounts that aren't mine are still there. I have NEVER had a contract with chase ever. 
Partial account XXXX XXXX from my credit report XXXXXXXX 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 2023-11-13
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon carefully examining a copy of my personal credit report, I have uncovered a number of discrepancies. While I understand that errors can occur, these particular inaccuracies could seriously jeopardize my prospects of becoming a homeowner. I have researched the dispute process and I am aware that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you take the necessary time and care to eliminate the inaccurate information from my credit report. Given the current economic challenges we face, I can not afford to have incorrect data negatively impacting my credit score. I will anticipate receiving an updated copy of my credit report reflecting these corrections within thirty ( 30 ) days. The following is the error that I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts from my credit profile ASAP.

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 2019-04-04
Company: Creditrepair.com, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CreditRepair.com are a bunch of absolute scumbags. I went to them for help and they stole money from me. I went to sign up and was told in 30 days I would be charged {$99.00}. Instead they took out {$200.00} the next morning ... and refuse to give me the full refund. I have called both XXXX AND CreditRepair.com and both have been complete XXXX. XXXX said there is nothing they can do and CreditRepair.com swore to pay me back in full and have refused. To just put you into perspective of how infuriated I am ... I've called about this every 2 days and today CreditRepair.com made me wait an HOUR AND A HALF ... on the phone and not one person answered. Also they never reply to emails, live chats or even XXXX. They are complete XXXX  and I want my money back. And XXXX? Thanks a lot for doing literally nothing to protect me from fraud, why am I a customer again? Congrats I'm not anymore. No files are attached below because CreditRepair.com never sent me proof of the conversation confirming the full refund. Huge Surprise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: AZ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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 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 2021-01-27
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Dear Sir/Ms.i would like to complain about my closed account on line with city bank, I, ve tried to open account on linewith your bank, but after they open the account and i deposited {$1000.00}, your bank representative, closed the account without sending my fund ( the {$1000.00} ) and for almost 4 month I have been calling talking to too many supervisors, and get promisesabout sending the check but they neverfinish their job and i never get my check .MY ( ACCOUNT NUMBER is ( XXXX ) name on the account XXXX XXXX .you are keeping my money .I 'll start complain with you for now .please respond. My phone number is XXXX and the supervisor isXXXX XXXX.Ineed 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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I have been a victim of identity theft. 
XXXX XXXX XXXX XXXX where I was a patient/client at, their computer system was hacked and my information was stolen.

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 2023-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a XXXX that my credit score dropped a few points. When I checked with my local credit union, I found that Bank of America issued me a card with a $ XXXX limit which I did not apply for. I called the company and got the card canceled. My credit is locked at all three reporting agencies and placed fraud alerts. I just received another card in the mail from Bank of America with a $ XXXX limit. When I called to cancel the account and report the fraud, they told me there was a third card applied for that would be approved soon. I asked them to cancel that account also. I also asked how these cards could be issued if my credit was locked and they could not offer me any explanation. I asked them to flag my name and social security number so no more could would be issued and they told me that was not possible.

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 2023-11-13
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:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
PayPal Credit consistently credits returns to non-related transactions. This results 100 % of the time in a decrease in balances in purchases with promotional periods expiring later instead of a decrease in the correct balance of the promotional period expiring earlier.

As a result, PayPal credit is not honoring the terms of the transaction of the non-related purchase. 

In example : Purchase XXXX for {$250.00} from Company XXXX made XXXX with a XXXX interest promo expiration of XX/XX/XXXX Purchase XXXX for {$300.00} from Company XXXX made XXXX with a XXXX interest promo expiration of XX/XX/XXXX Item returned to Company XXXX for {$75.00} credit, credit processed XXXX. PayPal credit processes the credit against the {$300.00} purchase from Company XXXX with the promo period expiring XX/XX/XXXX. 

I have spent hours on the phone with PayPal and this happens repeatedly. There is no mechanism to correct the issue and it continues to happen, with every error in PayPal 's favor as it shorts the customer by affecting an unrelated transaction and thereby not honoring the full 6 months interest free for that specific purchase.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
THE FOLLOWING INQUIRIES WERE NOT INITIATED BY ME IN WRITING AND BEAR NO PERMISSIBLE PURPOSE. THESE ARE FRAUDULENT, DELETE IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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