BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-18
Company: WSFS FINANCIAL CORPORATION
State: PA
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:
XXXX XXXX Date :XX/XX/XXXX-XX/XX/XXXX Situation : XXXX XXXX  refused to disclose the arrival of XXXX  tokens from XXXX XXXX XXXX for a total of XXXX dollars via direct deposit from XXXX XXXX 's Bank Account at XXXX XXXX XXXX ( nickname XXXX ). 

I called Attorney General XXXX 's office and used his help desk line and was pair with the Consumer Financial protection Bureau ( CFPB ), they generated the investigators and forwarded to the FDIC who validated my complaint and Office os Comptroller of Currency who issued the XXXX Ticket number for the docket for XXXX dollar settlement from XXXX XXXX XXXX XXXX XXXX, Original solution : first attempt was on XX/XX/2019 at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX | XXXX, Pa.. The United States Bounty XXXX read a message from XXXX of XXXX plays with ( 3 ) Gold Awards and reward of XXXX dollars and did not complete the task of Extradition of XXXX XXXX. 

Solution : PLEASE HAVE THE CARRIER TAKE OFF THE XXXX EQUIPMENT AND REDELIVER COURT GRANTED SETTLEMENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX PH ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-01-18
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this alleged repo with Santander and sent my dispute through the USPS Postal service certified mail on " XX/XX/2020 '' and received no response this is a violation under the " Fair Debt Collection Practices Act '' Although they ( Santander ) did indeed sign for my dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 was 2 accounts opened through USAA dated on XX/XX/XXXX in the amount of {$97000.00} and XX/XX/XXXX in the amount of {$50000.00} these accounts are now charged off and these accounts was opened with out my consent or authorization because I was incarcerated from XX/XX/XXXX - XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: RI
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Verisk Analytics Inc
State: TN
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:
On XX/XX/XXXX, I sent a letter to LCI challenging the validity of these alleged bankruptcies they have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with LCI. I have gone to the courthouse, and they have also stated they did NOT verify this information. I requested from LCI to please send me whatever documents of information they have personally used to verify these alleged bankruptcies, immediately. If they can not produce such documents these bankruptcies needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to get a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Capio Partners, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was XXXX  from XXXX During this timeframe I received an {$1800.00} stimulus check - that i sent to my friend XXXX XXXX XXXX he opened a CapitalOne 360 checking account with my permission and deposited the check. Capital One 360 checking account number XXXX the address on file is XXXX XXXX XXXX XXXX XXXX Texas XXXX Capital One froze the account with the {$1800.00} in the account still. I was released from XXXX  on XXXX and live at XXXX XXXX XXXX XXXX XXXX Texas XXXX where there is no CapitalOne bank- I have a valid Texas Drivers License which I provided to CapitalOne along with copies of the bank statement and debit card they sent me- however they will not release the funds to me. I have contacted them over 12 times and sent copies of my drivers license to them without any action being taken to close the account and release the funds to me. XXXX XXXX has an active power of attorney that they rejected. However since I am no longer XXXX  the funds can be sent directly to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient, formerly Sallie Mae, has called and threatened to break into my home and steal my college degree from me if I didn't pay this loan. I have a recording of the phone call. This loan is fraudulent. I have several police reports about it. The statute of limitations to collect on it is also up. I am telling Navient they need to stop contacting me about this loan and have no one else ever contact me about this loan again. The information of who took this loan out is not mine. It isn't even my name on the loan papers that Navient sent me. They are now evidence in my police records. The loans my dad XXXX XXXX took out with me as a cosigner are already paid in full. He did not take out a loan pretending to be me. This loan is fraudulent. The only loan with my father XXXX XXXX 's name on it was a loan he co-signed on with me and again it's paid in full. So sending me loan documents stating my father XXXX XXXX took this loan out is ridiculous. Remove this lian from my account and do not ever contact me again about these loans and do not have anyone else ever contact me again about these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I transferred some rewards points from XXXX of my account to another of my own account and these points were confiscated without notifying 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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
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 Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$2100.00}

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 2022-09-08
Company: Zachter PLLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Hello There, First of all I would like to say Thank you for your assistance! 
The Debt they asking me to pay is a business loan from XXXX, the company is forfeited since XXXX, the amount was {$5000.00}, now they're asking me to pay $ XXXX. I was trying to negotiate and pay some amount because of their intimidation and they even blocked my XXXX XXXX XXXX son account, this is unheard of in America and how they're XXXX. 
Since XXXX XX/XX/XXXX I am on therapy after having a XXXX XXXX and colleting Disablity benefit, they are collecting almost half of my payments by letting me sign wrong agreement, I have all the correspondences since then, After My XXXX XXXX I have XXXX XXXX and XXXX ' that's why i am still following therapy, while i am going through all this hard ship I was XXXX XXXX and repeatedly intimidated by one of the paralegal from this firm her name is XXXX XXXX, I can provide you all my medical history if needed. 
They are using the law firm called ZACHTER PLLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX TEL, XXXX XXXX XXXX XXXX XXXX XXXX FAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX OFFICE FAX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
All of the inquiries listed below are all fraudulent and reporting illegally Ive included a identity theft report as well. 


TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022

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 2021-01-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score is being incorrectly affected at all three of the credit rating agencies by an issue that happened with XXXX that was a mistake on XXXX  part. I have contact all three of the agencies about this and have not received a response. I have submitted a dispute online for each of the three credit agencies with not response. This is adversely affecting my ability to get a loan. Please advise

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 2019-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I called Bank of America phone number XXXX XXXX XXXX to ask for a cashier 's check of $ XXXX that was in still my business account the last time I spoke with BOA on XX/XX/XXXX. XXXX at that number told me she was putting that request in. I followed up after 3 days and on XX/XX/XXXX, XXXX said that the check for $ XXXX has already been sent by USPS. There were several calls I made after this where I got a variety of strange answers. Finally, on insisting that I talked to a supervisor to get a clear answer, I got XXXX on the line on XX/XX/XXXX. I had to tell her again what my request was ( meaning nothing was recorded on their system about past communications ). I said to her I wanted a cashier 's check for $ XXXX sent to me. She said she would expedite it. I made a follow-up call and spoke with another supervisor XXXX. I asked him to expedite it and put on the system in case I talk to another person the next time. 

This is the most exciting part.The third supervisor I spoke with was XXXX on XX/XX/XXXX at XXXX XXXX. He told me that the $ XXXX has been sent back to the originating bank XXXX XXXX in XX/XX/XXXX. ( Note : The originating bank for this $ XXXX was not XXXX XXXX I'm 100 % sure. Also, note that the last time I spoke with BOA staff was on XX/XX/XXXX and the $ XXXX was still there according to the staff. ) So I asked XXXX if I could get a statement as proof of where all the $ XXXX went. He vehemently said NO he would not give it to me. I said I wanted to know what was happening in my account for my tax return purposes. He still said NO. 

My question is : Is this bank exempted from being transparent? We expect politicians and public employees to be transparent but not banks? Why can not I get a complete picture of what happened to the funds that were in my business account? I need an authority to assist me in getting this information from BOA.

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 2023-07-31
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened One Deposit Checking on XX/XX/2019 in response to the attached offer to get {$300.00} when I open a checking account and make a direct deposit of {$500.00} or more within 60 days. 

Based on attached statement dated XX/XX/2019, you can see that the account was opened on XX/XX/2019, and, based on attached statements dated XX/XX/2019 and XX/XX/2019, you can see that direct deposit of {$250.00} was made on XX/XX/2019 and another direct deposit in the amount of {$250.00} was made on XX/XX/2019. Therefore, total direct deposit of {$500.00} was made within 60 days from the account opening. 

I called Citizens Bank on XX/XX/2019 and spoke to supervisor XXXX in Rhode Island who told me that there was supposed to be a single direct deposit of {$500.00} not total direct deposit total of {$500.00} within 60 days from the account opening to be qualified for the bonus. As you can see on attached offer, the offer does not tell specifically single direct deposit, it just mentions direct deposit and, as a result, it was my understanding that a direct deposit total of {$500.00} would make me qualified for {$300.00} bonus. 

On XX/XX/2019 I sent attached letter address to Citizens Bank CEO XXXX XXXX XXXX at the address of XXXX XXXX XXXX, XXXX, RI XXXX but I have not received response as of XX/XX/2019. 

I hope it was a mistake on Citizens Bank end to omit word single in front of words direct deposit and I hope that that my account will be credit with {$300.00} bonus. However, if Citizens Bank intentionally omitted word single on the offer, this situation may qualify under enclosed Federal Trade Commission Act paragraph Vii. Unfair and Deceptive Practices that states : An act or practice may be found to be deceptive if there is a representation, omission, or practice that misleads or is likely to mislead a consumer. Deception is not limited to situations in which a consumer has already been misled. Instead, an act or practice may be found to be deceptive if it is likely to mislead consumers. A representation may be in the form of express or implied claims or promises and may be written or oral. Omission of information may be deceptive if disclosure of the omitted information is necessary to prevent a consumer from being misled Acts or practices that have the potential to be deceptive include : omitting material limitations or conditions from an offer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I talked to XXXX XXXX  told me I would have to write to Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am trying to get a bank card, I paid off my balanced, my business account needs to get made in the future for XXXX XXXX  deposits. I will not continue to use Citi or make an account for my business unless I can get a simple card. 

So Citi apparently requires use of XXXX according to XXXX XXXX, I ordered the second card on XX/XX/XXXX, I ordered the first card on XX/XX/XXXX, I have complained to CFPB before and been acknowledged by Citi executive office that they would not send XXXX to comply with their fiduciary duty. 


Very tired of games from Citi

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 2023-10-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complaint is regarding my citi bank credit card. 

There are 2 credit card specific situations : 1 ) I noticed that there has been a series of transactions that i didn't initiate and most of these are in person transactions- someone is using this card to make unauthorized purchases. I flagged this to citibank and filed disputes through the online portal. 

Citibank apparently investigated and concluded since I had the physical card in my possession, these are all " legal '' charges and I ought to be responsible for them. I spoke with them on the phone a few times, and confirmed that I have not made these purchases, but they still didn't do anything about them. 

2 ) They blocked the original card and sent a new card. I never received that card because my address was not updated on the portal. I am seeing a similar series of purchases on this new card as well. I have disputed the charges, but haven't seen any action from Citibank yet. 

Also, I want to further highlight that Citibank not only put this false burden of paying these fraud purchases on me, but also started charging me interest payments for " not paying '' the bill. 

I have pasted a table summarizing all fraudulent charges below. 


Date Description Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief