BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-29
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear Sir or Madam : I had Citibank Business AAdvantage card with last four digits as XXXX. I closed the account in XXXX by Citibank. Citibank uses automated system to close an account. The system informed me that my account has been closed and I will receive a letter. There was no balance on my account. After XX/XX/2019, I started getting automated phone messages from Citibank that i need to check my account on the web without mentioning any account number. I have another credit card from Citibank and I checked that card activity on the web and everything was fine. I received an email from Citibank on XX/XX/XXXX that my credit card account is past due and I need to pay them {$140.00} on my account number XXXX. This really surprised me, because I had closed this account long time back. I called Citibank right away despite the fact that I am out of country. When I called, I got voice mail that office is closed. As soon as it was Monday morning on east coast, I called again and asked Citibank and they started telling me different stories about it. They told me that the account was closed due to non-payment and it is now in collection. They told me that there was membership fee of {$99.00} due on the account. I told them that I closed the account and they kept telling me that I still owe them membership fee. Not even once, Citibank issued me a statement that says that I owe them this money during all this time period. I received this statement only on XX/XX/XXXX when the account was closed in XXXX. They are telling me that they have called me several times. Not even once, they called me to tell me that my account number XXXX is past due. Every time they called, it would be a computer generated message that mention that I need to check my account on the web without even mentioning even once that it relates to account number XXXX. In the meantime, my web access to account number XXXX was disabled. I spent more than one hour on the phone and spent {$100.00} on international calls. They kept shifting me from one agent to another agent as if this is a joke and I was forced to pay {$140.00} for no reason. They contend that they reached out to me. How can a computer reach out to a human being? Please listen to their messages. I have saved those message on my voice mail. They only say that I need to check my web activity without even mentioning the card. Why should I be required to pay {$150.00} when I closed the account. None of them was willing to listen to me. I think they are deliberately fleecing the consumer. I would request your good offices to intervene on my behalf and help me get back my money from Citibank.

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 2018-05-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a loan with XXXX XXXX and was making my payments and making them on time. One day I was notified that my payment went from {$64.00} per month to {$600.00} per month and the new payment was effective immediately. I called XXXX and was told my payment went up because my income changed.I explained to the rep that this was incorrect and not my income had not changed. I made several phone calls only to be told I had to make the {$600.00} per month payment. I was unable to make this amount of a payment and this caused my account to become overdue. I called many times trying to get an understanding but to no avail thus causing XXXX to report the delinquency to my credit bureaus. After several months of the negative reporting I called XXXX again and this time I spoke with a representative and after being on the phone with her for several hours she said the problem was their mistake because they had listed my income incorrectly. She said they had my income listed as weekly instead of the fact that I got paid monthly. I asked if this could be corrected on my credit report since they had made the mistake and she said it should not be a problem but that was handled through another department and emailed me the form to submit. I submitted the form only to receive a response that my dispute was denied. I was not give an explanation and according to their policy I am unable to speak with anyone via phone about this issue. I am requesting that my credit report is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: SC
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 U.S.C. 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 an account without my written instructions.

15 U.S.C. 1681c. 605 ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
COPY OF LETTER SENT TO BANK : On XX/XX/XXXX we received the attached unsigned, nameless, 21-word letter from your bank with NO EXPLANATION and even more concerning, no information about where our money went. We have been banking with you for many years. Please note that it was sent to our home in Florida. 

On XX/XX/XXXX we attempted to contact your bank. After getting a run around with security for about 2 hours we gave up. The big problem was we dont have a phone that will receive text messages. They couldnt send us a security code without our hanging up our land line and that in turn invalidated the code given to us. We are senior citizens and were on our old-fashioned land line. Out of frustration we gave up! 

The next day we started on this folly again. This time after about 1 hours we got with a gentlemen named XXXX. But in the mean time we got a royal run around trying to prove who we were, including having to take pictures of our drivers licenses and sending them to the bank. We did this THREE times, and for some reason the bank could not use them. The fact that we had a letter from your bank was not good enough for them! Nor were they willing to call us on the phone number that is attached to the account. Surely that would have proved that we are the owners of the checking account. 

XXXX was able to tell us what happened. Your bank closed the account, and sent the check to XXXX XXXX in Texas! We have not lived there for 9 years! XXXX said they are getting rid of accounts that dont have a physical address! Our reaction was, Is this some kind of joke?! 

Now if you look at the copy of the letter you sent us, you see it went to XXXX XXXX XXXX XXXX, in Florida. Apparently, you do have a physical address on file for us, some place at your bank! 

As of now, XXXX is attempting to fix the problem and he assures us that another check will be issued to our correct address. However, at this point we are not very confidant. Please know that when you send a letter like this with no explanation you create panic in your customers. Our first thoughts were that we were victims of a fraud and that someone stole our money ( in fact, YOU did steal our money using an unauthorized withdrawal ). In addition, when you close an account for no reason, your customers credit scores will be affected. This is a very poor practice and definitely doesnt represent excellent service. So much for your millions of dollars spent on advertisements. You can be assured we will never do business with you again and are telling all of our friends our story. 

COPY OF LETTER FROM BANK : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Your account has been closed. 
Dear XXXX XXXX : We're writing to let you know we've closed your account ending in XXXXXXXX.lf you have any questions, please get in touch. 
Thanks, Capital Oneo Products and services are offered by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
As of the XXXX of XXXX Suntrust closed my checking account. I called only told a letter would be sent. As of today, I still have no letter and no check for the money i have in there. I have called several times. Was told Suntrust does not have to give you a reason why they have closed your account. I have no Bounced ckecks. You can not talk to anyone who works in that department. They have my money and will not give it to me. If they dont want to do business with me any longer, thats fine but send me my money. They have no right to keep it. I am broke, I need food. And gas. I take care of my sister who is XXXX XXXX. Please help 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 explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have reached out to TransUnion well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information 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
Consumer complaint received 2022-12-14
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was emailed an approval from DEO ON XX/XX/XXXX. I was approved for {$4800.00} in past due payments for my mortgage company Shellpoint. I was told that on XX/XX/XXXX the payment was mailed. It has been 5 months and the payment hasnt posted. I emailed Shellpoint and called them on XX/XX/XXXX advising that the payment never posted. I called HAF AND EMAILed to file a complaint on XX/XX/XXXX to file a missing payment complaint. I still havent received a resolve from Shellpoint, Homeowners assistance fund, DEO, or Horne. No one has been able to locate where or what happened toissing past due payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX US dept of EDXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2018-05-15
Company: Experian Information Solutions Inc.
State: CA
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:
Last XX/XX/2018, I sent this credit bureau a letter declaring that I am a victim of Identity Theft and that accounts were opened under my name fraudulently. I attached a copy of my IDs and my FTC report to my letter I faxed to this company and requested XXXX XXXX account XXXX to removed and block on my credit report. I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of  the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. It has been more than 4 days when this credit bureau received these documents and still, they showed their negligence and non-compliance by ignoring my lawful request.

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 2022-12-05
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2018-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have been victim of a fraud to which my bank refuses to take responsibility of. On the XXXX of XXXX, I was given a check to deposit for XXXX dollars from which, I had to transfer XXXX to a supposed limo driver. The arrangements was that I would charge XXXX dollars for a make up service for a wedding, and the rest of the money would be transferred to this limo driver that would bring the bride and the best ladies to my place. The whole thing was a scam, and the check had not funds. The XXXX dollars transfer was made as arranged because the check when deposited was made effective right away and stayed effective for 5 full days before my bank which name is bank of america realized that the check had no funds, and withdrew the funds from my account overdrawing it. Now I'm have a balance of XXXX dollars and the refuse to do anything to help at all. I think they should take some responsibility for the fraud since it is because it took 5 full days for bank of America to realise that check had no funds that transfers to the supposed limo driver were made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a victim of identity theft and fraudulent transactions started happening on both of my PNC checking accounts since XX/XX/. It is now XX/XX/XXXX  and I have spoken to numerous customer service representatives and fraud detection services. PNC failed to put holds on my accounts after the initial fraudulent transactions occurred enabling addition fraudulent transactions to occur. I have been told several different wait times as to when the various transactions can be disputed and that they can not be disputed when they are pending, they must be fully posted to dispute. PNC has been negligent in regards to protecting my account and security. I was told that I now have to wait even longer for reimbursement of the disputes, leaving my husband and I with currently no money and that I can not close either of the PNC accounts until the transactions are fully posted and disputed ( disputes may take up to 90 days ) even though some of the transactions were ACH. PNC 's policy states that if a fraudulent transaction occurs via ACH the customer may close the account and obtain a new account while the disputes finalize. I have been a PNC customer for approximately 10 years and I am honestly shocked at the lack of action they have taken regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Lincoln Educational Services Corporation
State: FL
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. These are the accounts I demand removal Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: EQUIFAX, INC.
State: SC
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:
XXXXXXXX XXXX sent these two letters in an attempt to verify two charge offs on my CR. These are not my accounts and I DID NOT REQUEST A FRAUD INVESTIGATION FROM XXXXXXXX XXXX. ( See attachments ). XXXXXXXX XXXX on this website stated they were not contacting me on my issue anymore however they are sending letters implying that Im requesting a fraud inquiry. I have Not contacted XXXX XXXX since XXXX by certified letter requesting removal of the charge offs. Since that time XXXX XXXX has performed unrequested inquires and fraud investigations without my approval attempting to verify a debt thats not mine. The 3 CRAs are simply parroting inaccurate unverified information from chase bank. Now I feel like Im being harassed by XXXXXXXX XXXX who will not comply with the guidelines of the FCRA in reference to inaccurate unverified information placed on consumers CRs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: FL
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:
after a check of my credit report i ask the credit bureaus to do a detailed verification of these accounts, all came back verified. after checking, i find multiple inconsistencies and errors with these accounts after they claimed to have did their checks, i also did not authorise in writing that these accounts be posted. 

in accordance to the fair credit reporting act XXXX account has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation