BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: ALLY FINANCIAL INC.
State: VA
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:
On XX/XX/XXXX and XX/XX/2023, my shared ally bank account was charged XXXX  times that were all fraudulent. XXXX  transactions on XX/XX/XXXX we're all to XXXX XXXX accounts and we have never utilized XXXX XXXX. We received a call from ally regarding these transactions, were asked if they are fraud, and confirmed. They didn't imply we needed any further action on our part, and that our funds would be provided back when they were posted. We called again on the 4th after the transactions had posted to ask why our funds weren't returned, this was during the time our rent check was due too, which caused much concern as we are middle class and don't have cash to spare on fraud. We were told that 1. We needed to report it after it posted, so luckily we had already called to complain or else we never would have known and 2. That the funds would take 7-10 " days '', no implication of them being business days. Then, we started counting the days, we called again on XX/XX/XXXX to ask what on earth they were doing with our money, and they stated they had the claim on file but it " fell off the radar ''. From everything I understand, within 10 business days I should be given a provisional credit, then within 45  days should be provided the amount permanently if they deem it fraudulent. Everyone I spoke with, including a XXXX, has been nothing but useless and disrespectful. They all should be fired, but unfortunately they are a terrible bank with terrible employees. There is {$280.00} of my funds in this fraud scheme and only {$57.00} ( {$32.00} being the charge from XXXX XXXX ), I would like a provisional credit as soon as possible. Also, it's worth nothing the good for nothing bank had the nerve to send us a " replacement debit card '' that had the same numbers as the card involved in the fraud, because ally doesn't hire intelligent staff either. I've changed my bank because of this but their ignorance of cfpb guidelines tells me they need to understand how to properly treat customers instead of submitting to fraud.

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 2023-04-13
Company: CITIBANK, N.A.
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Citibank credit card with my husband ( XXXX XXXX ) on XXXX. 
I was then offered a bonus of {$450.00} for depositing {$50000.00} in a Citibank Savings account ( and maintaining that minimum balance for 60 days ). 
I opened a savings account to take advantage of that offer. 
An email from Citibank confirmed that the account was opened on XXXX. This was an individual account in my Name ( XXXX XXXX ) as Citibank did not offer the option to open a joint account. 
I proceeded to link the Citibank savings account with my XXXX account ( which is joint with my husband, XXXX XXXX ). 
Micro deposits between the two accounts were successfully made by XXXX. 
On XXXX I transferred {$50000.00} from my joint XXXX account to my individual Citibank savings account. 
I logged into the Citibank account at least twice to confirm my transfer went through. 
On XXXX I was not able to log into the savings account. 
After many conversations with several Citibank representatives, I was told by XXXX that my account had been " marked for closure '' by Citibank 's fraud department. 
I was told that I would receive a letter explaining what happened in the next couple of weeks. 
XXXX confirmed that the only activities on the account were the microdeposits and the {$50000.00} deposit from XXXX. 

The letter ( dated XXXX ) stated that Citibank was terminating our banking relationship, yet did not state when my {$50000.00} would be returned. 
I called Citibank on XXXX and spoke with XXXX who again confirmed that my account held {$50000.00}. He stated that the problem was that the deposit was made using a " third party check ''. XXXX told me that my funds would be returned either to me or to the originating financial institution ( XXXX ) within 30-60 days. 
I waited well beyond that 60 day window but the funds were never returned. 
On XXXX I called Citibank and spoke with XXXX who told me that XXXX would need to file a claim with Citibank. 
Citibank also confirmed that they still had the {$50000.00} in a later phone call with XXXX. 

I then spoke to XXXX at XXXX ( XXXX ) who said that XXXX would recall the EFT and gave me a dedicated associate to handle the matter. 
XXXX also informed me that the EFT from XXXX to Citibank was actually not done in my name ( XXXX XXXX ), but instead done in my husband 's name, XXXX XXXX ( who was joint on the XXXX account ). 
On XXXX ( 30 days after the EFT recall ), XXXX from XXXX informed me that Citibank failed to respond and also failed to return the funds. 
At this point, my Citibank is still in possession of my {$50000.00}.

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 monetary relief
Consumer complaint received 2016-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On XXXX I requested my free report from TransUnion. I have only received stall tactics and no report. Please send my free credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: CITIBANK, N.A.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I rent rooms through a XXXX housing service to nurse that needed places to stay during COVID when most places did not want to rent to them. In XXXX, I accepted a nurse to stay at my home in XXXX XXXX. The nurse paid me {$5200.00} upfront for a month of rent, a deposit, and for her travel arrangements. 

She sent me a check, which cleared at my bank on XXXX  XX/XX/XXXX -- meaning the money was in my account at XXXX XXXX XXXX. On Wednesday the nurse at first informed me that her contract was cut short and that she needed that part refunded. Then she said she had COVID and her contract was canceled at that I could keep the deposit, but she needed the money back. 

None of this was out of the ordinary. And with consideration to the hard times health workers have been facing, I did not want to add to her complications. She requested I send money through XXXX. I did not have this set up with XXXX XXXX, so I used my citibank account to make the transfers. 

Then on XXXX  XX/XX/XXXX, the money was pulled from my XXXX XXXX Account and they reported it as a fraudulent check. I then went through the process at Citibank of recovering my funds. Over the course of 3 months, I was promised various things from Citibank, most of all that my claim would be treated fairly. I was the victim of a crime and the XXXX XXXX Police department said that Citibank had an obligation to refund my money as they would be acting as a party to this crime. 

I tried everything, even corresponding with XXXX XXXX, the President of retail for citibank. At the end of it - they claimed they would not refund the money because of a fairness concern. The acknowledged that I had been scammed, but because they did not want to recover funds for others who had been scammed, they did not want to do it in my case. It was essentially my fault for using their service, which states there is some recourse for recovering fraudulent funds. 

This is completely unacceptable. They are a too big to fail bank that should certainly refund ALL MONEY that has been scammed by their customers. I would like your help in making sure they do not continue to aid scammers who are taking prey on people who are trying to help our vulnerable communities during Covid. 

I am owed {$1500.00} from Citibank - and I'm happy to provide further documentation. I have attached the XXXX Report. 

Best, 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 monetary relief
Consumer complaint received 2022-10-11
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 belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-11-21
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 received an alert from Experian on XX/XX/2022 stating a new criminal court record was found under my name on XX/XX/2022 but this record does not belong to me. The Experian website instructs consumers like me to call the Court where the record was sent from to have it removed. I called the Court Clerk, Administration, and Criminal Department to see if anyone could remove it. On their side of the system, my information isn't tied to the criminal they have in custody. So I called Experian and was transferred between the Dispute Department and Member Services XXXX times with no help. On the Experian website, it says information is provided from XXXX and there's a hyperlink attached. When I click on the hyperlink, the landing page states " If you have concerns that a record has been erroneously matched to you and included in your credit report, please contact Experian to correct the error ''. Experian is refusing to provide a meaningful resolution to my issue even though this " match '' was made in Experian 's system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2012 I was awarded a permanent loan modification from XXXX. My Payments were to be $XXXX per month and I made all payments on time.
After a few months, I started receiving late notices in the mail. I started an investigation with XXXX as to why I was receiving late notices and before the investigation was concluded, my servicing was sold to XXXX. 
I notified XXXX of the investigation with XXXX and they found the reason I was late was that XXXX had applied my first modification payment to my escrow account in error. Before that investigation could be finallized, my servicing was sold to Nationstar. 
I started an investigation with Nationstar to correct this and they told me their accounting is correct and I am 1 month behind on my payment, when I sent them proof of every payment ever made. They also added back on $XXXX to my principle that was forgiven as a result of the modifications stating I did not receive the foregivness after all because I am delinquent. 
I need help from someone that can do something about this. They have ruined my credit and cost me $XXXX because of bas accounting and laziness in looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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 have dent multiple disputes and verification and receive no results

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 2021-07-08
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I contacted XXXX on XX/XX/2021 by certified mail requesting investigation and verification of collection acct from XXXX XXXX 
On XX/XX/2021 I sent a follow up letter to XXXX requesting that the account be remove because the collection agency failed to respond to my request to validate the debt. 
On XX/XX/2021 another certified letter was sent to XXXX requesting removal because collection agency did not respond to my request and did not provide validation. 
XXXX  responded and said the account was verified as accurate and will remain on report. 
On XX/XX/2021 another letter was sent to XXXX requesting removal and also requesting how account was verified as correct when the collection refuse to provide me with such information and how did XXXX obtain this information. 

Its been XXXX business days since I sent my original request for validation to the collection agency XXXX XXXX and I have yet to receive a response. 

Its been XXXX business days since requesting XXXX to properly investigate this account and to remove since it cant be validated. XXXX I ignored my request and I would like this account deleted ASAP for failure to respond and provide validation. 

XXXX XXXX failed and refuse to provide me with validation of this account and proof that this acct belongs to me and they recently reported the account to my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: NH
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:
To whom it may concern, On XX/XX/2022, I received an Experian Alert, indicating that my credit balance for one of my accounts was decreased, but I was unable to login without providing my social security number. I'm also unable to reset my password. Please see attached. 

The alert relates to an issue whereby I was charged the wrong amount by a vendor ( where I am living ), on XX/XX/2022, which appears to have raised a fraud alert. The vendor may have reported the issue to XXXX XXXX XXXX XXXX ( affiliated of the XXXX ). Then the erroneous charge from the vendor on XX/XX/2022, went through on XX/XX/2022. 

On XX/XX/2022, I reported fraudulent activity to credit card company ( XXXX ) for a charge on XX/XX/2022, from the same vendor where I am living. I also reached out to to XXXX  XXXX XXXX XXXX directly, but they left early for the weekend and insisted on proceeding with unusual billing practices. I have also informed the XXXX Corporate Headquarters ( see case number XXXX ). 

Regards, 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 2022-11-21
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that credit accounts, credit inquiries and personal addresses that have not been authorized by me, do not belong to me are entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute for the removal of this information from your systems. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 

Furthermore, I do not live at the address which is being disputed. 
I have included proof of my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Avant Holding Company, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been asking for a Hardship program for past 8 months. I am told that they don't have any hardship programs. I have been affected by Covid 19, and I was unable to make my minimum payment. I have been calling since XX/XX/2022 requesting supervisor to call back. Noone but the collection department is calling back. Late fees have been accumulating and no offer was made by Avant. Now my credit card is overdrawn by {$150.00} due to Avant 's refusal to negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: PA
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:
Its has been since XXXX of XXXX to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to XXXX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/XXXX to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify these credit inquires that pulled/ viewed my credit without my permission. Within 5 business days in compliance with FCRA. XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: LA
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:
The Credit Reporting Bureaus, XXXX, Equifax and XXXX  are ignoring my request to investigate accounts on my credit report, I have disputed these accounts and they need to be immediately removed. I am asking for, The Consumer Financial Protection Bureau help with this information being reported as a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: TX
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. 

Account name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-06-18
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Caine and Weiner failed to originally notify me of this debt, despite their claims that they mailed notification to my address. 

After requesting validation the company failed to provide proper validation of the debt. Per my original request, please supply the following information : Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay, including my original wet signature? 

This was never supplied. 

In my original CFPB complaint, Caine and Weiner responded on XX/XX/23 that The account has been closed as 'Disputed ' in our office. We will send a request to the credit reporting agencies to have this account removed from the consumer 's credit report. However, on on XX/XX/23 my credit report was updated by Caine and Weiner to show a balance and the account does not show closed. This has caused seriously harm to my credit and my financial goals. 

This is unacceptable, fraudulent activity.

Company response to consumer: Closed with explanation